CUPRE PREPAID VISA® CARD PROGRAM CARDHOLDER AGREEMENT — PLEASE READ CAREFULLY

Last Updated October 15, 2018

By activating the Card or by retaining, using or authorizing the use of the Card, you represent and warrant to us that you have read and understand all the terms and conditions of this Agreement and you agree to be bound by them. The effective date of this Agreement is the date you first receive, use or authorize the use of, register, or activate the Card. If you do not agree to the terms of this Agreement, you may not use the Card. If you cancel your Personalized Card (defined below) within thirty (30) days of receipt, we will refund any initial purchase fee or monthly charge assessed and any funds remaining on your Card. Please review these terms carefully and keep a copy for your reference. THIS IS NOT A GIFT CARD.

This Cardholder Agreement (“Agreement”) is a legally binding contract between Central National Bank of Enid, Oklahoma, Member FDIC (“Issuer”) and you (“you/your”), the person or persons authorized by us to use a prepaid payment card (the “Card”) issued by us pursuant to our Cupre Prepaid Visa® Card Program, which is serviced by our service provider and Card distributor, Credit Union 24, Incorporated, d/b/a Culiance (“Servicer”). Collectively, the Issuer and the Servicer are referred to in this Agreement as “we/us/our.” This Agreement sets forth the terms and conditions of the Program and governs your use of the Card. As used in this Agreement, “business days” means Monday through Friday, excluding federal holidays, even if we are open. Any references to “days” found in this Agreement are calendar days unless indicated otherwise.

List of all fees for Cupre Prepaid Visa® Card:

Personalized Card (and Registered Temporary Card for those features authorized by Servicer)

All Fees Amount Details
Card Purchase and Initial Load $4.95 One-time fee for card purchase, applied at the time of the initial load to your Cupre Prepaid Visa® Card.
Secondary Card Purchase $4.95 Fee applied to purchase of a secondary Cupre Prepaid Visa® Card.
Monthly Fee $4.95 Fee per card occurs monthly on anniversary date of card activation.
Direct Deposit $0.00 Fee applied for direct deposit to the card.
Cash Reload (Credit Union) $0.50 Fee applied per reload at participating credit union branch locations. No additional retailer or third-party fees apply for a participating credit union load.
Cash Reload (ReadyLink) $0.00 Cupre does not apply a fee for retailer reloads. The retailers may charge additional fees.
Funds Transfer $0.00 No fee is charged by Cupre to transfer funds from your existing bank account to your Cupre card; however, your financial institution or other third-parties may asses a fee for their service. Consult with your financial institution to learn how to transfer funds between your online banking account and your Cupre Prepaid Visa® Account, and what fees may apply for these services. Depending on the transfer service you select, a fee may be assessed to your online banking account. The fee may be determined by a variety of factors set by the service provider, such as speed, amount, or destination.
Card to Card Transfers $0.00 Fee applied to transfer funds from primary card to secondary card or secondary card to primary card.
Domestic ATM Withdrawal-In Network $0.00 Fee applied for cash withdrawal. “In-network” refers to the Cupre Prepaid Visa® Card ATM Network consisting of Culiance, CUHere, CUHere Select, MoneyPass and Allpoint ATMs. Locations can be found at http://www.culiance.com/atmlocator/.
Domestic ATM Withdrawal $1.00 Fee applied only for those transactions at ATMs outside of the Cupre ATM Network. You may also be assessed a fee by the ATM operator, even if you do not complete a transaction.
Bank Teller Withdrawal $2.50 Fee applied for bank teller withdrawal. Banks may charge additional fees.
Purchase Transaction $0.00 Fee charged when conducting a PIN or Signature purchase at retailers. Retailers may charge additional fees.
Cash Back at Point of Sale $0.00 Fee applied for requesting cash back. Select “Debit” and enter your PIN to get cash back when making a purchase at retailers. Retailers may charge additional fees.
Domestic ATM Decline-In Network $0.00 Fee applied for a decline. “In-network” refers to the Cupre Prepaid Visa® Card ATM Network consisting of Culiance, CUHere, CUHere Select, MoneyPass and Allpoint ATMs. Locations can be found at http://www.culiance.com/atmlocator/.
Domestic ATM Decline $1.00 Fee applied only for those transactions at ATMs outside of the Cupre ATM Network. You may also be assessed a fee by the ATM operator.
Automated and Live Agent Phone Calls $0.00 Fee applied for each customer service contact with a live agent.
Email and Text Message Alerts $0.00 Fee applied for alerts. Standard text messaging rates may apply.
Mobile Application $0.00 Fee applied for the mobile app. Standard data rates and service carrier fees may apply.
Mailed Paper Statement Fee $5.00 Fee applied for each mailed paper statement that is requested. View your statement online at no fee.
Domestic ATM Balance Inquiry – In-Network $0.00 Fee applied for balance inquiry. “In-network” refers to the Cupre Prepaid Visa® Card ATM Network, consisting of Culiance, CUHere, CUHere Select, MoneyPass and Allpoint ATMs. Locations can be found at http://www.culiance.com/atmlocator/.
Domestic ATM Balance Inquiry $1.00 Fee applied only to transactions at ATMs outside of the Cupre ATM Network. You may also be applied a fee by the ATM operator, even if you do not complete a transaction.
ATM Withdrawal – International $1.00 Fee applied for withdrawal. You may also be assessed a fee by the ATM operator.
ATM Decline – International $1.00 Fee applied for decline. You may also be assessed a fee by the ATM operator, even if you do not complete a transaction.
ATM Balance Inquiry – International $1.00 Fee applied for balance inquiry. You may also be assessed a fee by the ATM operator, even if you do not complete a transaction.
Foreign Currency 3% Fee applied for currency conversion. You may also be assessed a fee by any retailers or financial institutions involved in your transaction.
Inactivity Fee $0.00 Fee applied for inactivity on the card.
Replacement Card (Standard Delivery) $5.00 Fee applied per replacement card ordered.
Replacement Card (Expedited Delivery) $30.00 Fee applied per replacement card ordered.
Balance Refund Paper Check $15.00 Fee applied per paper check requested.

Temporary Card Account

All Fees Amount Details
Card Purchase and Initial Load $4.95 One-time fee for card purchase, applied at the time of the initial load to your Cupre Prepaid Visa® Card.
Monthly Fee $4.95 Fee per card occurs monthly on anniversary date of card activation.
Purchase Transaction $0.00 Fee charged when conducting a PIN or Signature purchase at retailers. Retailers may charge additional fees.
Automated and Live Agent Phone Calls $0.00 Fee applied for each customer service contact with a live agent.
Inactivity Fee $0.00 Fee applied for inactivity on the card.
Replacement Card (Standard Delivery) $5.00 Fee applied per replacement card ordered.
Replacement Card (Expedited Delivery) $30.00 Fee applied per replacement card ordered.

Register your Card for FDIC insurance eligibility and other protections. Once registered, your funds will be held at or transferred to Central National Bank, Enid, Oklahoma, an FDIC-insured institution. Once there, your funds are insured up to $250,000 by the FDIC in the event Central National Bank, Enid, Oklahoma fails, if specific deposit insurance requirements are met and your Card is registered. See fdic.gov/deposit/deposits/prepaid.html for details.

No overdraft/credit feature.
The Temporary Card Account does not support the Mobile Application, Emails or Text Messages
Contact Cupre Cardholder Services by calling 1-833-MYCUPRE(692-8773), by mail at PO Box 13899, Tallahassee, FL 32317 or visit www.mycupre.com.

For general information about prepaid accounts, visit cfpb.gov/prepaid.
If you have a complaint about a prepaid account, call the Consumer Financial Protection Bureau at 1-855-411-2372 or visit cfpb.gov/complaint.

Prepaid Account Description

You acknowledge and agree that the value of available funds is limited to the prepaid funds that you have loaded onto the Card or which have been loaded onto the Card on your behalf. The Card is a prepaid card. The Card is not connected in any way to any other account. The Card is not for resale. You will not receive any interest on the value of your prepaid funds. The Card will remain the property of the Issuer and must be surrendered upon demand. The Card is nontransferable and it may be canceled, repossessed, or revoked at any time without prior notice subject to applicable law, rules or regulations. The Card is not designed for business use, and we may close your Card if we determine that it is being used for business purposes.

Beginning to Use Your Temporary Card

A Card that has not been registered and does not bear your name on the front of the Card is a “Temporary Card.” A one-time load to a Temporary Card may be made only at participating credit union locations with a minimum amount of $10, and a maximum amount of $500. The value of the available prepaid funds associated with your Temporary Card will be referred to as your “prepaid funds balance.” A Temporary Card is non-reloadable. Your Temporary Card can only be used in the U.S.A. and cannot be used for cash withdrawals or to obtain cash. Your Temporary Card is sold pre-activated and MUST BE TREATED AS CASH. However, you must call 1-833-MYCUPRE (692-8773) in order to set up a PIN for your Temporary Card (see “Personal Identification Number” below). You must have your Temporary Card with you when you set up your PIN. After you select your PIN for your Temporary Card you may register the Card as outlined in “How to Register Your Card” below in order for your prepaid funds balance to be eligible for FDIC insurance and other protections.

The Mobile Application, Emails, and Text messages are not available for the Temporary Card Account until it is registered.

How to Register Your Card

If you received a Temporary Card (i.e., your name does not appear on the front), such as at a credit union branch, your card is not registered and does not have FDIC insurance eligibility or other protections. You may register your Temporary Card at www.mycupre.com or through the Cupre mobile app, available for download from the Apple App Store or Google Play (you acknowledge and agree that this Agreement is between you and us, not with any third party—including but not limited to Apple®, Google®, or any mobile carrier). Certain types of transactions (see “Using Your Card” below) cannot be completed with a Temporary Card. Please follow the directions that came with your Card in order to register it. If we cannot verify your identity or accept your registration, we will inform you immediately and, unless otherwise required by law, your Temporary Card will remain active until the funds in your Card Account have been exhausted, or we cancel or suspend your Temporary Card pursuant to this Agreement, applicable law, regulations, or rules. If we cannot verify your identity or accept your registration, your card will not receive FDIC insurance eligibility or other protections.

If your registration is accepted, your Temporary Card will be deemed registered (“Registered Temporary Card”), and we will send you a Cupre Prepaid Visa® Card bearing your name (“Personalized Card”). Upon registration, we may, in our sole discretion, authorize you to use your Registered Temporary Card with some or all of the features of a Personalized Card (such as funds reload or cash access). We reserve the right to refuse activation or delay activation and use of the Personalized Card for up to twenty-four (24) hours, in our sole discretion. You agree to sign the back of your Personalized Card immediately upon receipt. The expiration date of the Personalized Card is identified on the front of your Personalized Card. Once you receive and activate your new Personalized Card, as described below, your Temporary Card will be cancelled and any remaining prepaid funds balance or Card Account balance will be accessible through your Personalized Card. You are permitted no more than one (1) Registered Temporary Card or Personalized Card per Social Security Number.

If your registration is accepted, the funds associated with your prepaid funds balance will be held at or transferred to your registered prepaid account (which may be a pooled account) at Central National Bank, Enid, Oklahoma (“Card Account”).

Registering Your Card

To help the government fight the funding of terrorism and money laundering activities, we are required by federal law (including without limitation under the Bank Secrecy Act and the USA PATRIOT Act) to obtain, verify, and record information that identifies each person who registers a Card. Accordingly, when you register your Card, we will ask for your name, address, date of birth, Social Security Number, phone number, and other information that will allow us to identify you. We may also require you to present your driver’s license or other identifying documents.

How to Activate Your Personalized Card

You must activate your Personalized Card before it can be used. You may activate your Card at www.mycupre.com or through the Cupre mobile app, available from the Apple App Store or Google Play. During activation, we may request that you provide the card security code printed on the front and/or back of your Personalized Card, as well as additional identifying information we may request, including but not limited to your name, phone number, date of birth, zip code, and a form of identification.

If you fail to activate your Personalized Card within ninety (90) calendar days after it is issued, it will not be able to be activated or used. You will continue to be able to access your funds with your Registered Temporary Card and you may request a new Personalized Card afterwards, if you choose.

Personal Identification Number

You will not receive a Personal Identification Number (“PIN”) within your Personalized Card packet that accompanies the Personalized Card when it is issued to you. You will be required to select your own PIN for your Card Account when you activate your Card. Your PIN is a security feature that will be needed for certain transactions including cash withdrawals and certain purchase transactions. Your PIN identifies you as the proper user of the Card and authorizes transactions that you make with the Card. You should not write or keep your PIN with your Card. Never share your PIN with anyone. Protect your PIN at all times. When entering your PIN, be sure it cannot be observed by others and do not enter your PIN into any terminal that appears to be modified or suspicious. If you believe that anyone has gained unauthorized access to your PIN, you should advise us immediately by contacting us at the number on the back of your Card and by following the procedures in the paragraph labeled “Your Liability for Unauthorized Transfers.” If you lose or forget your PIN, you may visit our website to reset your PIN.

Authorized Card Users

You are responsible for all authorized transactions initiated and fees incurred through the use of your Card and/or PIN. If you permit another person to have access to your PIN, Card or Card number, we will treat this as if you have authorized such use and you will be liable for, and you will hold us harmless from, all transactions, costs, losses, damages and fees incurred or caused by those persons. You are wholly responsible for the use of each Card according to the terms and conditions of this Agreement.

If you are a Personalized Cardholder, you may request an additional Card that is linked to your Card Account for another person that you authorized to use the Card and access the funds in your Card Account (“Secondary Card”). The Secondary Card will be registered under the Social Security Number of the person authorized to use the Secondary Card. We will request information for any Secondary Card holder including but not limited to his or her full name, birthdate, and social security number. The maximum number of Secondary Cards that may be linked to your Card Account is three (3). You must notify us in order to revoke permission for any person you previously authorized to use a Secondary Card. If you notify us to revoke another person’s use of a Secondary Card, we may revoke your Personalized Card and issue a new Personalized Card with a different account number. You remain liable for any and all usage of any Secondary Cards you authorize. We may limit the number of Secondary Cards that you can authorize in our sole discretion.

Loading Your Card Account

You may add funds to your Card Account associated with your Personalized or Registered Temporary Card (“value loading“), at any time, subject to the Card Limitation Tables below. The initial value load, as well as each value reload, is referred to in this Agreement as a “load“.  The initial value load must be at least $10.00 and each value reload must be at least $10.00. You may load your Card Account by arranging for the transfer of funds originating from a financial institution located in the United States, direct deposit from your employer, federal or state benefits or tax refund. Those payments made from federal agencies must be in the name of the registered cardholder; otherwise the payments are subject to being returned to the federal agency that originated the item. You may also reload your Card Account by using cash at ReadyLink® Retail Reload locations or participating credit union branches. Limitations on amounts that may be loaded to your Card Account can be found on the attached Card Limitations Tables. In addition, ReadyLink® may impose different load limitations. You can obtain information on how to load your Card Account at www.mycupre.com. Personal checks, cashier’s checks, and money orders sent to the Issuer or Servicer are not an acceptable form of loading. However, at our discretion, we may accept such payments to be applied to a negative balance on your Card Account. All other checks and money orders will be returned. You cannot load funds to your Card Account at ATMs. All loads must be in U.S. dollars. If you choose to load funds into your Card Account at an in-person location, such as a participating credit union branch, you may be asked to present your Personalized Card and identification. All loads are subject to anti-fraud verification procedures, and we reserve the right to reject any load attempts or delay access to the loaded funds until such verification procedures are completed. If your value load is made with cash, a hold will be placed on 25% of the funds loaded for one hour after the load is completed, and only 75% of the funds will be available for cash withdrawal from an ATM or a bank teller (see “Cash Access” below).

Direct Deposit Account

If your registration is accepted, you will be provided with a routing and transit number and a pseudo account number (“Direct Deposit Account Number”) which you may provide to your employer to set up direct deposit. The bank routing number and Direct Deposit Account Number are for the purpose of initiating direct deposits to your prepaid Card Account only. You are not authorized to provide this bank routing number and Direct Deposit Account Number to anyone other than your employer or payer. Your prepaid Card Account and associated Direct Deposit Account Number cannot be used for preauthorized direct debits or recurring payments from merchants or from utility or internet service providers. If presented for payment, these preauthorized direct debits or recurring payments will be declined and your payment to the merchant or provider will not be processed.

Using Your Card/Features

All fees assessed by Cupre are deducted from your available prepaid funds balance or your Card Account. If you do not have sufficient available prepaid funds to cover a fee, the transaction will be declined.

Your Card may be used wherever Visa debit cards are accepted. However, Temporary Cards may not be used: (i) at a merchant that uses a manual imprint machine; (ii) at ATMs or for cash back at any point of sale device or (iii) at merchants outside of the United States (including internet websites based outside the United States). If you received a Temporary Card and you wish to use your Card for any of the uses described in this paragraph, you must first register it (see “How to Register Your Card” above).

Your Personalized Card (and Registered Temporary Card as authorized by us) may be used to (i) add funds to your Card Account (see section labeled “Loading Your Card” above), (ii) purchase goods or services wherever Visa debit cards are accepted, and (iii) withdraw funds from your Card Account. Fees and limitations on these transactions may be found on the Fee Schedule Table and Card Limitations Tables. Some services may not be available at all terminals. Your Card may be used without a PIN to make purchases.

You may use your Card to purchase or lease goods or services everywhere Servicer and Visa Debit cards are accepted as long as you do not exceed the prepaid value available on your Card. Some merchants do not allow cardholders to conduct split transactions where you would use the Card as partial payment for goods and services and pay the remainder of the balance with another form of legal tender. If you wish to conduct a split transaction and it is permitted by the merchant, you must tell the merchant to charge only the exact amount of funds available on the Card to the Card. You must then arrange to pay the difference using another payment method. Some merchants may require payment for the remaining balance in cash. If you fail to inform the merchant that you would like to complete a split transaction prior to swiping your Card, your Card is likely to be declined.

The Card cannot be used to purchase fuel at an automated fuel dispenser as a pay-at-the-pump transaction, and attempts to use the Card at the pump will be declined. When you purchase fuel you should pay for your purchase inside with the cashier. If you use your Card at a restaurant or other merchant where tipping is common, the merchant may preauthorize an amount greater than the purchase amount. For hotels, car rentals, or similar purchases where a deposit is commonly collected in advance, the merchant may request a preauthorization of $300 or more as an estimate of the final amount. Any preauthorization amount will place a “hold” on your available prepaid funds until the merchant sends us the final payment amount of your purchase. Once the final payment amount is received, the preauthorization amount on hold will be removed. It may take up to 7–10 business days for the hold to be removed. During the hold period, you will not have access to the preauthorized amount. You may not use your Card for online gambling activities or any illegal or fraudulent transaction. We may refuse to process any transaction that we believe may violate the terms of this Agreement or transactions that may be fraudulent, illegal, or that may otherwise violate applicable law, rules, or regulations.

When you purchase goods and services using your Card, you authorize us to reduce the value available in your prepaid funds balance or Card Account balance by the amount of the transaction and any applicable fees. At the time of the transaction, you must have sufficient prepaid funds available or we will decline the transaction. Nevertheless, in some instances, transactions may result in a negative balance associated with your Card (for example, if there is a delay with the acquirer submitting the transaction and there are not enough funds in your prepaid funds balance or Card Account balance at the time the transaction is processed, or if fees are assessed to the funds available on your Card and there are not enough funds to cover the assessment). If, at any time, any transaction exceeds the balance of the funds available on your Card, you shall remain fully liable to us for the amount of the transaction(s) and any applicable fees. We may deduct the negative balance owed from any current or future funds loaded to your account or any other account you activate or maintain with us. If your prepaid funds balance or Card Account is zero or a negative balance, we may at our sole option cancel your Card. You agree to correct any negative balances by loading your Card Account with sufficient funds within five (5) days from the date the negative balance arises. If a negative balance is created due to an unauthorized transaction, please refer to the sections of this Agreement titled “Your Liability for Unauthorized Transactions” and “Information About Your Right to Dispute Errors.”

You do not have the right to stop payment on any purchase or payment transaction originated by use of your Card. You may not make preauthorized recurring or regular payments from your Card or Card Account. If you authorize a transaction and then fail to make a purchase of that item as planned, the approval may result in a hold for that amount of funds for up to thirty (30) days. All transactions relating to car rentals may result in a hold for that amount of funds for up to sixty (60) days.

Cash Access

Using your PIN, you may use your Personalized Card (or Registered Temporary Card as authorized by us) to obtain cash from any ATM or any point-of-sale device provided by a participating merchant that bears the Servicer or Visa® acceptance mark. All ATM transactions are treated as cash withdrawal transactions for the purposes of assessing fees and certain limitations or restrictions, as provided in the Fee Schedule Table and Card Limitations Tables attached to this Agreement. Merchants, financial institutions, and ATM operators may impose additional fees and/or withdrawal limits. You may also obtain cash using your Personalized Card (or Registered Temporary Card as authorized by us) from a bank teller, for an additional fee as set forth in the Fee Schedule. Only 75% of funds loaded via cash are available for withdrawal at ATMs or bank tellers for one (1) hour after each cash load. Your Temporary Card cannot be used for cash access.

If you use an ATM not owned by us for any transaction, including a balance inquiry (even if you do not complete a withdrawal), you may be charged a fee or surcharge by the ATM operator. This ATM fee is a third-party fee and is not assessed by us. This ATM fee and other third party fees will be deducted from your Card Account balance. You can avoid ATM surcharges by using CUHere, Allpoint or MoneyPass branded ATMs. To locate the nearest surcharge-free ATM, you can use the ATM locator tool available on our cardholder website at www.mycupre.com or on the Cupre mobile app.

Card Limitations and Restrictions

The Limitations Tables provided at the end of this Agreement sets forth certain limitations on the number or dollar amount of transactions you can make with your Card. For security reasons, we may further limit the number or dollar amount of transactions you can make with your Card. We may increase or decrease these limits from time to time in our sole discretion and, to the extent permitted by applicable law, rules, or regulations without prior notice to you.

Transactions attempted with the Card may be denied if you (i) exceed the transaction limitations described in the Agreement, (ii) do not have adequate funds available in your prepaid funds balance or Card Account, (iii) do not enter the correct PIN, or (iv) we otherwise have reason to believe the transaction is fraudulent or not in compliance with the terms of this Agreement or applicable law, rules or regulations.

Returns and Refunds

The Servicer, the Issuer, the card network and their affiliates, employees, and agents are not responsible for the goods or services purchased with the Card. Exchange or return of merchandise purchased in whole or in part with the Card is governed by the policies of each merchant and applicable law, rules, and regulations. We are not responsible for the return or exchange of any merchandise purchased with the Card. Neither the Issuer nor Servicer is responsible for the delivery, quality, safety, legality or any other aspects of goods or services that you purchase from others with a Card, and neither the Issuer nor the Servicer provide any warranty regarding the goods and services purchased. All disputes relating to purchases must be addressed and handled directly with the merchant from whom those goods or services were provided. If you are entitled to a refund for any goods or services obtained with your Card, the merchant will have the right to provide the refund to you by crediting your Card, and you will not be entitled to receive a cash refund unless offered by the merchant in its sole discretion. If the merchant issues a credit to the Card, the funds may not be available for up to seven (7) business days.

Card Valid Thru Date and Card Replacement

The Card is valid and usable until the expiration date embossed on the Card. If there is a balance remaining on the Card after the expiration date, for a period of twenty-four (24) months, or such longer period required by law, you may call our customer service center at the number on the back of your Card and request that the remaining balance be transferred to a new Card. If you need to replace your Card for any reason, please contact us at 1-833-MYCUPRE (692-8773) to request a replacement Card. You will be required to provide personal information to verify your identity, which may include your Card number, full name, transaction history, copies of accepted identification, etc. If you have registered your card, you can request a balance refund for the amount held in your Card Account. There is a fee to reissue a replacement Card and a fee to close your Card Account and issue a paper check for the balance as set forth in the Fee Schedule Table above. If your Card is lost or stolen or used improperly, contact us immediately at 1-833-MYCUPRE (692-8773). You will be asked to provide us with the applicable Card number and other identifying information including your original load amount and receipt as well as transaction history. If you provide the requested identifying information and our records show that you have available funds on your lost or stolen Card, we will cancel the Card and refund such available funds to you by sending a replacement Card and deducting the applicable fee set forth in the List of Fees above.

Transactions Made In Foreign Currencies

If you withdraw your funds or make a purchase in a currency other than the currency in which your Card was issued, the amount deducted from your funds will be converted into an amount in the currency of your Card by Visa using a rate selected by Visa based on the date the transaction is processed, which may be different than the rate on the date you made the transaction. You will also be assessed a foreign currency conversion fee of 3% of the transaction amount. Transactions made outside of the United States are subject to this conversion fee even if the transactions are completed in U.S. currency. The above fees are in addition to any fees or other amounts charged by the merchants, financial institutions, or ATM operators or networks, or other third parties involved in your transaction.

Receipts

You are entitled to a receipt at the time you make a transaction using your Card in accordance with all Visa bylaws, operating regulations, or all other rules, guidelines, policies and procedures promulgated by Visa (collectively the “Visa Rules”) and federal law. However, in accordance with the Visa Rules, some merchants may not be required to provide a receipt for small dollar purchases. You are responsible for retaining, verifying, and reconciling your transactions and receipts.

Card Account Balance/Periodic Statements

You may obtain information about the amount of money you have remaining in your prepaid account by calling 1-833-MYCUPRE (692-8773). This information, along with a twelve (12) month history of account transactions, is also available online at www.mycupre.com, or by using the Cupre mobile app.
If your account is registered with us, you also have the right to obtain at least twenty-four (24) months of written history of account transactions by calling 1-833-MYCUPRE (692-8773), or by writing us at Cardholder Services, PO Box 13899 Tallahassee, FL 32317. You will not be charged a fee for this information unless you request it more than once per month. You will not automatically receive paper statements.

Confidentiality

We may disclose information to third parties about your Card, Card Account, or the transactions you make:

  1. Where it is necessary for completing transactions or otherwise as necessary to fulfill our obligations under this Agreement;
  2. In order to verify the existence and condition of your Card for a third party, such as merchants;
  3. In order to comply with government agency, court order, or other legal or administrative reporting requirements;
  4. If you consent by giving us your written permission;
  5. To our service providers who administer the Cards to permit them to complete such services, such as data processing, records management, collections, and other services;
  6. In order to prevent, investigate, or report possible illegal or fraudulent activity; or</>
  7. As otherwise permitted by applicable law, rules or regulations.

Our Liability for Failure to Complete Transactions

If we do not properly complete a transaction to or from your Card in the correct amount according to our Agreement with you, in certain circumstances we will reimburse you for losses or damages you incur as a result of our actions or omissions. However, there are some exceptions. We will not be liable, for instance:

  1. If you do not have enough prepaid funds available to complete the transaction;
  2. If a merchant refuses to accept your Card;
  3. If an ATM where you are making a cash withdrawal does not have enough cash;
  4. If an electronic terminal where you are making a transaction does not operate properly, and you knew about the problem when you initiated the transaction;
  5. If access to your prepaid funds balance or Card Account balance has been blocked after you reported your Card lost or stolen;
  6. If there is a hold or your funds are subject to legal or administrative process or other encumbrance restricting their use;
  7. lf we have reason to believe the requested transaction is unauthorized;
  8. If circumstances beyond our control (such as fire, flood, or computer or communication failure) prevent the completion of the transaction, despite reasonable precautions that we have taken; or
  9. Any other exception stated in this Agreement, or to comply with applicable law, rules, or regulations.

Your Liability for Unauthorized Transactions

Except as otherwise stated herein, you are responsible for all transactions initiated through the use of your Card, including any PIN-based transactions, any transactions initiated by presenting the Card number only and any authorized transactions initiated by someone else. Notify us AT ONCE if you believe your Personalized Card, Registered Temporary Card or Card Account login information has been lost or stolen or if you believe that a transaction has been made without your permission. Your Card can be marked lost or stolen online at www.mycupre.com, or by calling us at 1-833-MYCUPRE (692-8773).

If your Card is registered and you notify us within two (2) business days after you learn of the loss or theft of your Card or Card Account login information, your losses will be limited to $50 or such other amount provided by law, if your Card Account suffers losses of at least that amount due to unauthorized usage. If you DO NOT tell us within two (2) business days after you learn of the loss or theft of your Registered Temporary or Personalized Card or your Card Account Access Information, and you suffer losses due to unauthorized usage, then you may be liable up to $500, or such other amount provided by law, if such losses could have been prevented had you timely notified us. Also, if your statement shows transfers you did not make, including those made with a Registered Temporary Card, Personalized Card, code or other means, notify us at once. If you do not notify us within 60 days from the earlier of the date you electronically access your Card Account, if the unauthorized transfer could be viewed in your electronic history, or the date we sent the FIRST written history on which the unauthorized transfer appeared, 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 timely notified us. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods, in our sole discretion or as required by law or rule. You may have additional rights under the Visa Zero Liability policy described below, and in some instances such rules provide that you will not be liable for unauthorized use of your Card.

If you have not successfully registered your Card you are liable for ALL transactions that have taken place on your Card, except for Cards associated with payroll card accounts or government benefit accounts.

Visa Zero Liability

Upon your successful registration of your Card, your Card Account is covered by Visa Zero Liability Protection. Under Visa Zero Liability Protection, your liability for unauthorized Visa transactions on your Card is $0 if (a) you notify us promptly at the address and phone number listed under Servicer in the “Contract Information” section below, and (b) you are not grossly negligent and have not acted fraudulently in the handling and use of your Card. You will not be liable for unauthorized use that occurs after you notify us of the loss, theft or unauthorized use of your Card. You also agree to cooperate completely in attempts to recover funds from unauthorized users and to assist in their prosecution.

Zero liability applies to purchases made in the store, over the telephone or made online. If your Registered Temporary Card or Personalized Card is lost or stolen, you will not be responsible in the event of unauthorized purchases provided that the following conditions are met:

  1. Your Card is in good standing under Visa Rules;
  2. You have exercised reasonable care in safeguarding your Registered Temporary Card or Personalized Card from any unauthorized use. Unauthorized use means that you did not provide, directly, by implication or otherwise, the right to use your Registered Temporary Card or Personalized Card and you received no benefit from the “unauthorized” purchase (failure to register certain Cards will be considered as not safeguarding your Card);
  3. You have not reported two or more unauthorized events in the past 12 months.

Visa Zero Liability Protection covers U.S. issued cards only; and does not apply to ATM transactions, PIN transactions not processed by Visa, or certain commercial card transactions. Individual provisional credit amounts are provided on a provisional basis and may be withheld, delayed, limited, or rescinded based on factors such as gross negligence or fraud, delay in reporting unauthorized use, investigation and verification of claim and account standing and history. You must notify us immediately of any unauthorized use. The transaction(s) at issue must be posted to your account before provisional credit may be issued. If you have not successfully registered your Temporary Card as described above, your Card is not eligible for Visa Zero Liability Protection.

Information About Your Right to Dispute Errors

In case of errors or questions about your Registered Temporary Card or Personalized Card, call us at 1-833-MYCUPRE (692-8773) or write us at Cardholder Disputes, 1300 Island Dr. Suite 105, Redwood City, CA 94065 or email us at support@mycupre.com as soon as you can, if you think an error has occurred in your Card Account. We must allow you to report an error until sixty (60) days after the earlier of the date you electronically access your Card 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. You may request a written history of your transactions at any time by calling us at 1-833-MYCUPRE (692-8773) or writing us 1300 Island Dr. Suite 105, Redwood City, CA 94065. 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; and
  3. Approximately when the error took place.

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

We will determine whether an error occurred within ten (10) business days of hearing from you and will correct any error promptly. If we need more time, however, we may take up to forty-five (45) days to investigate your complaint or question. If we decide to do this and your Card is registered with us, we will provisionally credit your Card Account within ten (10) business days for the amount you think is in error, so that you will have use of the money during the time it takes us to complete our investigation. If we ask you to put your question or complaint in writing and you do not provide it within ten (10) business days, we may not credit your Card.

For errors involving new accounts, point-of-sale (POS), or foreign-initiated transactions, we may take up to ninety (90) days to investigate your complaint or question. For new accounts, we may take up to twenty (20) business days to credit your account for the amount you think is in error.

We will tell you the results within three (3) business days after completing the investigation. If we decide that there was no error, we will send you a written explanation.

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 us at 1-833-MYCUPRE (692-8773) or visit www.mycupre.com.

It is important to register your prepaid account as soon as possible. Unless you register your account, we may not credit your account in the amount you think is in error until we complete our investigation. To register your account, go to www.mycupre.com, the Cupre mobile app, or call us at 1-833-MYCUPRE (692-8773). We will ask you for identifying information about yourself (including your full name, address, date of birth, and Social Security Number or government-issued identification number), so that we can verify your identity.

If you have not registered your Card you do not have the right to dispute a transaction and are not covered under this Section.

Disclaimer

OTHER THAN AS EXPRESSLY SET FORTH HEREIN, ISSUER AND SERVICER MAKE NO WARRANTY OF ANY KIND, EXPRESS OR IMPLIED, RELATED TO THE CARD, PREPAID FUNDS BALANCE, CARD ACCOUNT BALANCE, CARD ACCOUNT, AND SERVICES PROVIDED UNDER THIS AGREEMENT, AND ISSUER AND SERVICER EXPRESSLY DISCLAIM ANY AND ALL REPRESENTATIONS, WARRANTIES, AND CONDITIONS, INCLUDING BUT NOT LIMITED TO ANY IMPLIED WARRANTY OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, SECURITY, AVAILABILITY, AND NON-INFRINGEMENT. THE CARD, CARD ACCOUNT, AND SERVICES ARE PROVIDED SOLELY ON AN “AS IS” AND “AS AVAILABLE” BASIS. YOU UNDERSTAND AND AGREE THAT THE CARD, CARD ACCOUNT, AND SERVICES MAY NOT BE AVAILABLE, UNINTERRUPTED, SECURE, ACCURATE, COMPLETE, ERROR FREE, OR COMPATIBLE WITH YOUR HARDWARE OR SOFTWARE PLATFORMS. NO WARRANTY OF ANY KIND, EXPRESS OR IMPLIED, IS PROVIDED FOR LOSS OF DATA, PERFORMANCE, OR REVENUE, OR FOR FAILURE TO FUNCTION PROPERLY OR MEET YOUR NEEDS. ISSUER AND SERVICER DO NOT WARRANT OR GUARANTEE ACCESS TO CARD ACCOUNTS OR ASSOCIATED NETWORKS AND HAVE NO LIABILITY FOR ANY DOWN-TIME OF SERVERS RELATED TO PROCESSING OF TRANSACTIONS. NO WARRANTY OF ANY KIND IS PROVIDED REGARDING THE MERCHANT WITH WHOM YOU USE THE CARD, OR THE PRODUCTS AND SERVICES PURCHASED WITH THE CARD. YOU MAY NOT RELY ON ANY REPRESENTATION OR WARRANTY REGARDING ISSUER, SERVICERS, THE CARD, PREPAID FUNDS BALANCE, CARD ACCOUNT BALANCE, CARD ACCOUNT, OR SERVICES FROM ANY THIRD PARTY. WITHOUT LIMITING THE FORGOING AND AS PERMITTED BY LAW, WE SHALL NOT BE LIABLE FOR ANY INCIDENTAL, SPECIAL, CONSEQUENTIAL OR PUNITIVE DAMAGES (WHETHER OR NOT ARISING OUT OF CIRCUMSTANCES KNOWN OR FORESEEABLE TO US) SUFFERED BY YOU OR ANY THIRD PARTY IN CONNECTION WITH THE CARD OR OUR SERVICES DESCRIBED IN THIS AGREEMENT.

Address or Name Changes

You are responsible for notifying us of changes in your mailing address, email address or telephone number within two weeks of the change. Any written communications with you will be only by use of the most recent mailing address, email address and telephone number that you provided and you agree that any notice or communication sent to the mailing address, email address or telephone number noted in the account records shall be effective unless a notice is received from you. Failure to promptly notify us of changes in your contact information may result in information being mailed or delivered to the wrong person or your transactions being declined. Any notice given by us shall be deemed given to you if mailed to you at the last U.S. mailing address furnished by you for the Card Account. You agree that we may accept changes of address from the U.S. Postal Service. You also agree that if you attempt to change your address to a non-U.S. address, your Card Account may be cancelled and funds returned to you in accordance with this Agreement.

Authority to Contract

You represent and warrant to us that (i) you are not disqualified or otherwise prohibited by law from entering into a legally binding contract; (ii) you are at least 18 years of age or, if you reside in a state where the age of majority is over 18 years of age, you have reached the minimum age required to enter into a legally binding contract; (iii) you are a U.S. citizen or alien residing in the United States or its territories; (iv) you have provided us with a verifiable U.S. street address (not a P.O. Box); and (v) the personal information that you provide to us in connection your registration is true, correct and complete in all respects. If any information you provide to us changes after registration, you agree to notify us of the change promptly.

Unclaimed Property

If there is no record of Card activity for an extended period of time, applicable escheat state law may require the Bank to report the balance on the Card as unclaimed property. If this occurs, we may try to locate the owner of the Card at the address shown in our records. If we are unable to locate you, we may be required to deliver any value remaining on the Card to the state as unclaimed property.

Other Miscellaneous Terms

This Agreement sets forth the entire understanding and agreement between you and us, whether written or oral with respect to its subject matter and supersedes any prior or contemporaneous understandings or agreements with respect to their subject matter. Use of your Card is subject to all applicable rules and customs of any clearinghouse or other association involved in transactions, including without limitation the Visa Rules. Not all services described in this Agreement are available to all persons or at all locations. Any offer of service in this Agreement shall be deemed void where prohibited.

Your Card and your obligations under this Agreement may not be assigned by you to anyone else. Any attempt to the contrary shall be null and void. This Agreement shall be binding on you, your executors, administrators, and any permitted assigns. We may transfer or assign our rights, or delegate any or all of our obligations, under this Agreement.

From time to time, the Card service may be inoperative, and when this happens, you may be unable to use your Card or obtain information about your Card balance. Please notify us immediately if you have any problems using the Card. You agree and accept that we are not responsible for any interruptions of service.

We do not waive our rights by delaying or failing to exercise them at any time. To the extent permitted by law, and as permitted by the Arbitration section below, you agree to be liable to us for any loss, costs, or expenses, that we may incur as a result of any dispute or legal proceeding involving your Card Account. If any provision of this Agreement shall be determined to be invalid or unenforceable under any rule, law, or regulation of any governmental agency, local, state, or federal, the validity or enforceability of any other provision of this Agreement shall not be affected. To the fullest extent possible, any such provision shall be deemed to be modified so as to be rendered enforceable or valid; however, if such provision cannot be so modified, it shall be stricken and all other provisions of this Agreement in all other respects shall remain valid and enforceable. This Agreement will be governed by the law of the State of Oklahoma except to the extent governed by federal law. Any actions or proceedings with respect to this Agreement or any services provided under this Agreement shall be brought only before a federal or state court of competent jurisdiction in Oklahoma.

Consent to Electronic Delivery of Card Account information

By registering your Card, you consent to electronic delivery of account information. You may revoke this consent at any time by sending an email to esign@mycupre.com and stating that you no longer wish to receive account information electronically. You may also send a letter revoking consent to:

Cupre Cardholder Services
PO Box 13899
Tallahassee, FL 32317

Amendment and Cancellation

We may amend or change the terms of, or add new terms to this Agreement at any time by giving you notice, except as required by applicable law, rules, or regulations. However, if the change is made for security purposes, we can implement such change without prior notice, unless and until the change is made permanent and would no longer jeopardize the security of an account or electronic fund transfer system, at which time we will provide you notice. We may cancel or suspend your Card, Card Account, or this Agreement at any time. You may cancel this Agreement by returning the Card to us. In addition, we may suspend, cancel, add, modify, or delete any feature offered in connection with your Card or Card Account at our sole discretion at any time, with or without cause, and without giving you notice, subject to applicable law, rules, and regulations.

We may close or suspend your Card or temporarily or permanently limit specific activities the Card can perform at any time upon suspecting or observing potentially fraudulent activity or activity otherwise prohibited by this agreement. If your Card is registered, in the event that Card Account is cancelled, closed, or terminated for any reason, you may request the unused balance to be returned to you. The unused balance will be returned via a check to the mailing address we have in our records, unless we have reason to believe you have engaged in fraudulent or illegal activity. There is a check fee associated with receiving your balance refund (see the Fee Schedule Table for additional details). The Issuer reserves the right to refuse to return any unused balance amount less than $15.00. Any termination of this Agreement will not affect any of our rights or your obligations that arose under this Agreement prior to termination.

English Language Controls

Any translation of this Agreement is provided for your convenience. The meanings of terms, conditions and representations herein are subject to definitions and interpretations in the English language. Any translation provided may not accurately represent the information in the original English.

Communications

If you provide us with your mobile phone number or contact us from your mobile number, you expressly agree that you are providing this phone number for us or any third party acting on our behalf to contact you at this number. You agree that we may use this phone number to contact you for any business purpose about your Card or Card Account and you agree to be responsible for any fees or charges you incur as a result of providing this information. You may request this number not be used. We may offer options that allow you to receive or access text messages or other electronic communications from your mobile phone. By enrolling for these types of communications, you understand and agree to be responsible for any fees or charges you incur as a result of this enrollment. You agree that we may contact you from time to time regarding your Card Account in any manner we choose unless the law says we cannot. For example, we may contact you by mail, telephone, email, fax, recorded message, text message, by using an automated dialer device. We may contact you at home, at your place of employment, on your mobile telephone, at any time including weekends and holidays, at any frequency and leave prerecorded messages or messages with others. When we attempt to contact you, we may identify ourselves, our relationship and our purpose for contacting you even if others might hear or read it. Our contacts with you about your Card Account are not unsolicited. We may monitor or record any conversation or other communication with you.

Telephone Monitoring/Recording

From time-to-time, we may monitor and/or record telephone calls between you and us to assure the quality of our customer service or as required by applicable law, rules, or regulations.

Arbitration of Claims

NOTICE: THIS AGREEMENT REQUIRES ALL DISPUTES BE RESOLVED BY WAY OF BINDING ARBITRATION UNLESS YOU OPT-OUT AS DETAILED IN THE ARBITRATION SECTION BELOW. READ THIS “ARBITRATION PROVISION.” UNLESS YOU ACT PROMPTLY TO REJECT THE ARBITRATION PROVISION BY OPTING OUT IN ACCORDANCE WITH PARAGRAPH a, CAPTIONED “OPT-OUT PROCESS,” THE ARBITRATION PROVISION WILL BE PART OF THIS AGREEMENT AND WILL HAVE A SUBSTANTIAL EFFECT ON YOUR RIGHTS, INCLUDING YOUR RIGHT TO BRING OR PARTICIPATE IN A CLASS ACTION, IN THE EVENT OF A DISPUTE.

  1. General: This Arbitration Provision describes when and how a Claim (as defined below) may be arbitrated. Arbitration is a method of resolving disputes in front of one or more neutral persons, instead of having a trial in court in front of a judge and/or jury. It can be a quicker and simpler way to resolve disputes. Arbitration proceedings are private and less formal than court trials. Each party to the dispute has an opportunity to present some evidence to the arbitrator. The arbitrator will issue a final and binding decision resolving the dispute(s), which may be enforced as a court judgment. A court rarely overturns an arbitrator’s decision. As solely used in this Arbitration Provision, the terms “we,” “us” and “our” mean not just the Issuer but also our parent companies, subsidiaries, affiliates, successors, assigns and any of these entities’ employees, officers, directors and agents.
    Opt-Out Process: If you do not want this Arbitration Provision to apply, you may reject it by mailing us a written opt-out notice which contains your Card Account number, your name and address and a signed statement that you opt out of the Arbitration Provision of this Agreement. The opt-out notice must be sent to us by mail at: Cupre Cardholder Services, PO Box 13899 Tallahassee, FL 32317. (You should retain a copy of your opt-out notice and evidence of mailing or delivery.) An opt-out notice is only effective if it is signed by you and if we receive it within thirty (30) days after the date you received this Agreement. Indicating your desire to opt-out of this Arbitration Provision in any manner other than as provided above is insufficient notice. Your decision to opt-out of this Arbitration Provision will not have any other effect on this Agreement and will not affect any other arbitration agreement between you and us, which will remain in full force and effect. If you do not reject this Arbitration Provision, it will be effective as of the date you received this Agreement.
  2. What Claims Are Covered: “Claim” means any claim, demand, dispute or controversy between you and us that in any way arises from or relates to your Card Account (whether past, present or future). For purposes of this Agreement, the term “claim” shall have the broadest possible meaning. Despite the foregoing, “Claim” does not include any individual action brought by you in small claims court or your state’s equivalent court, unless such action is transferred, removed, or appealed to a different court.
  3. Starting or Electing to Require Arbitration: Either you or we may start an arbitration of any Claim or require any Claim to be arbitrated. Arbitration is started by initiating arbitration or required by giving written notice to the other party requiring arbitration. This notice may be given before or after a lawsuit has been started over the Claim and may address any Claims brought in the lawsuit provided that a party may not pursue a Claim in a lawsuit and then seek to arbitrate that same Claim unless the other party has asserted another Claim in the lawsuit or an arbitration. The notice may be in the form of a motion or petition to compel arbitration. Arbitration of a Claim must comply with this Arbitration Provision and, to the extent not inconsistent or in conflict with this Arbitration Provision, the applicable rules of the arbitration Administrator.
  4. Choosing the Administrator: “Administrator” means the American Arbitration Association (“AAA”), 1633 Broadway, 10th Floor, New York, NY 10019, www.adr.org; JAMS, 1920 Main St. at Gillette Ave., Suite 300, Irvine, CA 92614, www.jamsadr.com, or any other company selected by mutual agreement of the parties. If AAA and JAMS cannot or will not serve and the parties are unable to select an Administrator by mutual consent the Administrator will be selected by a court. The party asserting the Claim (the “Claimant”) may select the Administrator. Notwithstanding any language in this Arbitration Provision to the contrary, no arbitration may be administered, without the consent of all parties to the arbitration, by any Administrator that has in place a formal or informal policy that purports to override the Class Action Waiver.
  5. Court and Jury Trials Prohibited; Other Limitations on Legal Rights: IF YOU OR WE ELECT TO ARBITRATE A CLAIM, YOU AND WE WILL NOT HAVE THE RIGHT TO PURSUE THAT CLAIM IN COURT OR HAVE A JURY DECIDE THE CLAIM. ALSO, YOUR AND OUR ABILITY TO OBTAIN INFORMATION FROM THE OTHER PARTY IS MORE LIMITED IN AN ARBITRATION THAN IN A LAWSUIT. OTHER RIGHTS THAT YOU OR WE WOULD HAVE IN COURT MAY ALSO NOT BE AVAILABLE IN ARBITRATION.
  6. Prohibition Against Certain Proceedings: IF YOU OR WE ELECT TO ARBITRATE A CLAIM: (1) NEITHER YOU NOR WE MAY PARTICIPATE IN A CLASS ACTION IN COURT OR IN CLASS-WIDE ARBITRATION, EITHER AS A PLAINTIFF, DEFENDANT OR CLASS MEMBER; (2) NEITHER YOU NOR WE MAY ACT AS A PRIVATE ATTORNEY GENERAL IN COURT OR IN AN ARBITRATION; (3) CLAIMS BROUGHT BY OR AGAINST YOU MAY NOT BE JOINED OR CONSOLIDATED WITH CLAIMS BROUGHT BY OR AGAINST ANY OTHER PERSON; AND (4) THE ARBITRATOR SHALL HAVE NO AUTHORITY TO CONDUCT A CLASS-WIDE ARBITRATION, PRIVATE ATTORNEY GENERAL ARBITRATION, OR MULTIPLE-PARTY ARBITRATION.
  7. Location and Costs of Arbitration: Any arbitration hearing that you attend in person must take place at a location reasonably convenient to you, as determined by the arbitrator. Each Administrator charges fees to administer an arbitration proceeding and the arbitrator also charges fees. This includes fees not charged by a court. If either you or we require a Claim to be arbitrated, you may tell us in writing that you cannot afford to pay the fees charged by the Administrator and/or the arbitrator or that you believe those fees are too high. If your request is reasonable and in good faith, we will pay or reimburse you for all or part of the fees charged to you by the Administrator and/or arbitrator. Also, we will pay these fees if applicable law requires us to, if you prevail in the arbitration or if we must bear such fees in order for this Arbitration Provision to be enforced. We will not ask you to pay or reimburse us for any fees we pay the Administrator or arbitrator. We will bear the expense of our attorneys, experts and witnesses. You will bear the expense of your attorneys, experts and witnesses if we prevail in arbitration. However, if you are the Claimant, we will pay your reasonable attorney, expert and witness fees and costs if you prevail or if we must bear such fees and costs in order for this Arbitration Provision to be enforced. Also, we will bear any fees and costs if applicable law requires us to do so.
  8. Governing Law: This Arbitration Provision is governed by the Federal Arbitration Act, 9 U.S.C. §§ 1-16 (the “FAA”), and not by any state arbitration law. The arbitrator must apply applicable substantive law consistent with the FAA and applicable statutes of limitations and claims of privilege recognized at law. The arbitrator is authorized to award all remedies permitted by the substantive law that would apply if the action were pending in court (including, without limitation, punitive damages, which shall be governed by the Constitutional standards employed by the courts). At the timely request of either party, the arbitrator must provide a brief written explanation of the basis for the award.
  9. Rules of Interpretation: This Arbitration Provision is binding upon and benefits you, your respective heirs, successors and assigns. This Arbitration Provision also is binding upon and benefits us. This Arbitration Provision shall survive the repayment of all amounts owed under this Agreement any legal proceeding and any bankruptcy, to the extent consistent with applicable bankruptcy law. This Arbitration Provision survives any termination, amendment, expiration or performance of any transaction between you and us and continues in full force and effect unless you and we otherwise agree in writing. In the event of a conflict or inconsistency between this Arbitration Provision, on the one hand, and the applicable arbitration rules or the other terms of this Agreement, on the other hand, this Arbitration Provision shall govern.
  10. Severability: If any portion of this Arbitration Provision is deemed invalid or unenforceable, such a finding shall not invalidate any remaining portion of this Arbitration Provision, this Agreement, or any other agreement entered into by you with us. However, notwithstanding any language in this Arbitration Provision or this Agreement to the contrary, the Class Action Waiver is not severable from the remainder of this Arbitration Provision and, in the event that the Class Action Waiver is held to be invalid and unenforceable, and subject to any right of appeal that may exist with respect to such determination, any class action or representative proceeding shall be determined in a court of law and will not be subject to this Arbitration Provision.

Card Limitations Table:

Primary Cardholders – Transaction Limits
Transaction Type Defined Time Frame Primary Card
Amount
Secondary Card
Amount
Maximum Card Balance Maximum Allowable Card Balance $10,000 $5,000
Card to Card Transfers Daily Maximum Transfer Limit $1,000 $250
Card to Card Transfers Monthly Maximum Transfer Limit $2,000 $1,500
Bank to Card Transfers Daily Maximum Transfer Limit $750 $500
Bank to Card Transfers Monthly Maximum Transfer Limit $7,500 $2,000
Direct Deposit Load Daily Maximum Direct Deposit Limit $5,000 $5,000
Direct Deposit Load Monthly Maximum Direct Deposit Limit $10,000 $7,500
Cash Load Daily Maximum Cash Load Limit $950 $950
Cash Load Monthly Maximum Cash Load Limit $4,500 $2,000
Cash Withdrawal – Domestic1 Daily Maximum ATM Withdrawal Limit $500 $500
Cash Withdrawal – Domestic Monthly Maximum ATM Withdrawal Limit $2,000 $2,000
Cash Withdrawal – International Daily Maximum ATM Withdrawal Limit $300 $300
Cash Withdrawal – International Monthly Maximum ATM Withdrawal Limit $1,000 $1,000
Signature, Online and PIN POS Purchase – Domestic Daily Maximum Signature, Online, and PIN POS Limit $1,500 $1,500
Signature, Online and PIN POS Purchase – Domestic Monthly Maximum Signature, Online, and PIN POS Limit $10,000 $5,000
Signature, Online and PIN POS Purchase – International Daily Maximum Signature, Online, and PIN POS Limit $1,500 $1,500
Signature, Online and PIN POS Purchase – International Monthly Maximum Signature, Online, and PIN POS Limit $10,000 $5,000
Aggregate of Signature, Online and PIN POS Purchases – Domestic Daily sum total of Signature, Online, and PIN POS purchase – Domestic $2,000 $2,000
Aggregate of Signature, Online and PIN POS Purchases – International Daily sum total of Signature, Online, and PIN POS purchase – International $2,000 $2,000
Aggregate of Signature, Online and PIN POS Purchases – Domestic Monthly sum total of Signature, Online, and PIN POS purchase – Domestic $10,000 $5,000
Aggregate of Signature, Online and PIN POS Purchases – International Monthly sum total of Signature, Online and PIN POS purchase – International $10,000 $5,000
Over the Counter Withdrawal – Domestic Daily Maximum Over-the-Counter Withdrawal $1,500 $1,000
Over the Counter Withdrawal – Domestic Monthly Maximum Over-the-Counter Withdrawal $5,000 $2,500
Over the Counter Withdrawal – International Daily Maximum Over-the-Counter Withdrawal $1,500 $1,000
Over the Counter Withdrawal – International Monthly Maximum Over-the-Counter Withdrawal $5,000 $2,500

1 Cash Withdrawals include the cumulative totals of ATM Withdrawals and the Cash Back portion of a POS Purchase(s)

Temporary Cardholders – Transaction Limits Table
Transaction Type Defined Time Frame Amount
Maximum Card Balance Maximum Allowable Card Balance $500
Cash Load Maximum Cash Load Limit (One load per life of card) $500
Signature and Online Purchase – Domestic Maximum Signature and Online purchases – Domestic $500
Aggregate of Signature and Online Purchases – Domestic Maximum sum total of Signature and online purchases – Domestic $500

Contact Information

For customer service or additional information regarding your Card, please contact us at support@mycupre.com or by calling 1-833-MYCUPRE (692-8773). Interactive Voice Response (IVR) and live customer service agents are available to answer your calls twenty-four (24) hours a day, seven (7) days a week.

Use the ‘Contact Us’ feature from any of the following locations: cardholder website at mycupre.com, the Cupre mobile app that is available from the Apple App Store and Google Play.

Servicer Mailing Address:
Cupre Cardholder Services
PO Box 13899
Tallahassee, FL 32317

Error resolution:
Cardholder Disputes
1300 Island Dr. Suite 105
Redwood City, CA 94065

Issuing Bank Mailing Address:
Central National Bank
PO Box 3003
Enid, OK 73703