Common use of Access to Your Account Clause in Contracts

Access to Your Account. (a) Before using your Card, you must activate it by calling the toll-free number provided with your Card. You can use your Card to purchase goods or services from merchants or other vendors that accept Visa Cards (Purchases). You can also use your Card: (i) to obtain cash or cash-like instruments (for example, money orders, travelers’ checks or similar instruments) by presenting the Card to banks, other financial institutions or other persons that are permitted to make cash available to cardholders, or (ii) to obtain cash by using your Card and Personal Identification Number (PIN) at automated teller machines (ATMs) that dispense cash (both are called Advances). For security reasons, there may be limits on the amount of cash you can obtain by presenting your Card at a financial institution, or by using an ATM, during any one day. In addition, you can use Account Access Checks that are provided by us to pay for goods or services or to obtain cash. All uses of Account Access Checks will be treated as Advances under this Agreement and will be subject to the Cash Advance Fee described in Section 8(c) below, and except as otherwise provided, are treated as uses of your Card for purposes of this Agreement. Purchases and Advances are referred to collectively as Transactions in this Agreement. (b) We reserve the right to prohibit you from using Account Access Checks at any time. You agree to stop using Account Access Checks upon our request. You may not use Account Access Checks to pay any portion of any outstanding balance you owe on your ACA Account. We will not return or provide copies of any Account Access Checks that you have used, however your monthly billing statements will identify your Account Access Check Transactions during the applicable billing period. We will not certify Account Access Checks. We are not obligated to process or pay an Account Access Check if: (i) your ACA Account is delinquent or in default, (ii) your Available Loan Line or Loan Line has been exceeded or would be exceeded if we honored the Account Access Check, (iii) you have notified us or we have reason to believe that your Card or Account Access Checks have been lost or stolen or there is unauthorized access to, or use of, your ACA Account, or (iv) your ACA Account has been closed for any reason. (c) You acknowledge and agree that we have no liability if any bank, merchant or other person refuses to accept your Card or Account Access Checks. Subject to Applicable Law, we also are not responsible for the quality or results of any goods or services provided to you by any other entity. No cash refunds will be made directly to you by any such entity. Instead, the entity will issue a credit slip to you, subject to that person’s refund policy and Applicable Law. Any refund credit will appear on your monthly billing statement and will be applied in the same manner as a payment as described in Section 6(g) below. (d) At our option and without changing your obligations to us in any manner, we may change your ACA Account number and issue you a new Card and Account Access Checks bearing the new ACA Account number. (e) You will promptly provide notice to us and your Plan Administrator if you change your mailing address, email address, or other contact information. All written notices and monthly billing statements will be considered delivered to you when placed in the U.S. mail and addressed to you at your most recent address, or, if you are enrolled in e-delivery, sent via email to your most recent email address as it appears in our records.

Access to Your Account. (a) Before using your Card, you must activate it by calling the toll-free number provided with your Card. You can use your Card to purchase goods or services from merchants or other vendors that accept Visa Cards (“Purchases”). You can also use your Card: : (i) to obtain cash or cash-like instruments (for example, money orders, travelers’ checks or similar instruments) by presenting the Card to banks, other financial institutions or other persons that are permitted to make cash available to cardholders, or (ii) to obtain cash by using your Card and Personal Identification Number (“PIN”) at automated teller machines (“ATMs”) that dispense cash (both are called “Advances”). For security reasons, there may be limits on the amount of cash you can obtain by presenting your Card at a financial institution, or by using an ATM, during any one day. In addition, you can use Account Access Checks that are provided by us to pay for goods or services or to obtain cash. All uses of Account Access Checks will be treated as Advances under this Agreement and will be subject to the Cash Advance Fee described in Section 8(c) below, and except as otherwise provided, are treated as uses of your Card for purposes of this Agreement. Purchases and Advances are referred to collectively as Transactions “Transactions” in this Agreement. (b) We reserve the right to prohibit you from using Account Access Checks at any time. You agree to stop using Account Access Checks upon our request. You may not use Account Access Checks to pay any portion of any outstanding balance you owe on your ACA Account. We will not return or provide copies of any Account Access Checks that you have used, however your monthly billing statements will identify your Account Access Check Transactions during the applicable billing period. We will not certify Account Access Checks. We are not obligated to process or pay an Account Access Check if: (i) your ACA Account is delinquent or in default, (ii) your Available Loan Line or Loan Line has been exceeded or would be exceeded if we honored the Account Access Check, (iii) you have notified us or we have reason to believe that your Card or Account Access Checks have been lost or stolen or there is unauthorized access to, or use of, your ACA Account, or (iv) your ACA Account has been closed for any reason. (c) You acknowledge and agree that we have BPAS has no liability if any bank, merchant or other person refuses to accept your Card or Account Access ChecksCard. Subject to Applicable Law, we BPAS also are is not responsible for the quality or results of any goods or services provided to you by any other entity. No cash refunds will be made directly to you by any such entity. Instead, the entity will issue a credit slip to you, subject to that person’s refund policy and Applicable Law. Any refund credit will appear on your monthly billing statement and will be applied in the same manner as a payment as described in Section 6(g) below. (dc) At our BPAS’ option and without changing your obligations to us BPAS in any manner, we BPAS may change your ACA MPL Account number and issue you a new Card and Account Access Checks bearing the new ACA MPL Account number. (ed) You will promptly provide notice to us BPAS and your Plan Administrator if you change your mailing address, email address, or other contact information. All written notices and monthly billing statements will be considered delivered to you when placed in the U.S. mail and addressed to you at your most recent address, or, if you are enrolled in e-delivery, sent via email to your most recent email address as it appears in our BPAS’ records.