Cardholder Agreement

IMPORTANT — PLEASE READ CAREFULLY

Terms and Conditions/Definitions for the Jump Card Visa^® Prepaid Card

This document constitutes the agreement ("Agreement") outlining the terms and conditions under which the Jump Card Visa Prepaid Card has been issued to you. By accepting and using the Card, you agree to be bound by the terms and conditions contained in this Agreement. "Card" means the Jump Card Visa Prepaid Card issued to you by The Bancorp Bank, Wilmington, Delaware. "Issuer" means The Bancorp Bank or its depository institution affiliate. The Issuer is an FDIC insured member institution. "Card Account" means the records we maintain to account for the value of claims associated with the Card. "You" and "your" mean the person or persons who have received the Card and are authorized to use the Card as provided for in this Agreement. "We," "us," and "our" mean the Issuer, our successors, affiliates or assignees. You acknowledge and agree that the value available in the Card Account is limited to the funds that you have loaded into the Card Account or have been loaded into the Card Account on your behalf. You agree to sign the back of the Card immediately upon receipt. The expiration date of the Card is identified on the front of your Card. The Card is a prepaid card. The Card is not connected in any way to any other account. The Card is not a credit card. The Card is not for resale. You will not receive any interest on your funds in the Card Account. 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. Our business days are Monday through Friday, excluding federal holidays, even if we are open. Write down your Card number and the customer service phone number provided in this Agreement on a separate piece of paper in case your Card is lost, stolen, or destroyed. Please read this Agreement carefully and keep it for future reference.

Obtaining Your Card

The USA PATRIOT Act is a federal law that requires all financial institutions to obtain, verify, and record information that identifies each person who opens a Card Account. What this means for you: When you open a Card Account, we will ask for your name, address, date of birth, and other information that will allow us to reasonably identify you. We may also ask to see your driver's license or other identifying documents at any time.

Authorized Users

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

Secondary Cardholder

You may not request an additional Card for another person.

Personal Identification Number

You will not receive a Personal Identification Number ("PIN") with your Card Account. However, you will select a PIN when you activate your Card. You should not write or keep your PIN with your Card. Never share your PIN with anyone. 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 following the procedures in the paragraph labeled "Your Liability for Unauthorized Transfers."

Cash Access

With your PIN, you may use your Card to obtain cash from any Automated Teller Machine ("ATM") that bears the Visa^®, Plus^® or STAR^® Acceptance Mark or any Point-of-Sale ("POS") device, as permissible by merchant, that bears the Visa^®, Interlink^®, or STAR^® Acceptance Mark. All ATM transactions are treated as cash withdrawal transactions. You may use your Card at an ATM. The maximum amount that may be withdrawn from an ATM per transaction is $300.00. The maximum number of times you may use your Card to withdraw cash at an ATM is three (3). The maximum cumulative amount that may be withdrawn from an ATM per day is $900.00. The maximum cumulative amount that may be withdrawn from a participating bank (over the counter withdrawal) per day is $500.00. Any funds withdrawn from a POS device will be subject to the maximum amount that can be spent on your Card per day.

Loading Your Card

You may add funds to your Card, called "value loading", at any time. The minimum amount of the initial value load is $10.00. The minimum amount of each value reload is $1.00. The maximum amount of the initial value cash load is $999.00. The maximum amount of each value cash reload is $999.00. The maximum amount that can be loaded on your Card via Direct Deposit is $10,000.00. The maximum that can be loaded on your Card via ACH transfer is $500.00. The maximum number of times you may load your Card per day is five (5). You may add value or load your Card via cash loading networks, direct deposit, or by initiating an ACH transfer from your bank account. Visit www.myjumpcard.com for current information on available cash loading networks and their locations, to print a direct deposit form or to obtain instructions on initiating an ACH transfer from your bank account. You may also call 1-877-833-4812 to have a direct deposit form faxed to you. Funds loaded via cash loading networks are available within two (2) hours of loading. All funds loaded via direct deposit are available immediately. Funds loaded via ACH transfer are generally available within four (4) to seven (7) business days of the transfer, timeframes may vary based on guidelines for transfer from initiating bank. Personal checks, cashiers checks, and money orders sent to the Issuer are not an acceptable form of loading. All checks and money orders sent to the Issuer for Card loading will be returned unless the full amount may be applied towards a negative balance, in which case the check or money order may or may not be loaded to the Card at the discretion of the Issuer.

Direct Deposit Account

Your prepaid Card Account and associated direct deposit account number cannot be used for preauthorized direct debits from merchants or from utility or Internet service providers. If presented for payment, these preauthorized direct debits will be declined and your payment to the merchant or provider will not be processed. 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.

Using Your Card/Features

The maximum amount that can be spent on your Card per day is $5,000.00. The maximum value of your Card is restricted to $10,000.00 if loading via direct deposit.

You may use your Card to purchase or lease goods or services wherever Visa debit cards, Interlink cards, or STAR cards are accepted as long as you do not exceed the value available on your Card Account. 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.

If you use your Card at an automated fuel dispenser ("pay at the pump"), the merchant may preauthorize the transaction amount up to $100.00 or more. If your Card is declined, even though you have sufficient funds available, pay for your purchase inside with the cashier. If you use your Card at a restaurant, a hotel, for a car rental purchase, or for similar purchases, the merchant may preauthorize the transaction amount for the purchase amount plus up to 20% or more to ensure there are sufficient funds available to cover tips or incidental expenses incurred. 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. It may take up to seven (7) days for the hold to be removed. During the hold period, you will not have access to the preauthorized amount.

If you use your Card number without presenting your Card (such as for a mail order, telephone, or Internet purchase), the legal effect will be the same as if you used the Card itself. For security reasons, we may limit the amount or number of transactions you can make on your Card. Your Card cannot be redeemed for cash. You may not use your Card for online gambling or any illegal transaction.

Each time you use your Card, you authorize us to reduce the value available in your Card Account by the amount of the transaction and any applicable fees. You are not allowed to exceed the available amount in your Card Account through an individual transaction or a series of transactions. Nevertheless, if a transaction exceeds the balance of the funds available on your Card, you shall remain fully liable to us for the amount of the transaction and any applicable fees.

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 regular payments from your 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.

Non-Visa Debit Transactions

New procedures are in effect that may impact you when you use your Card at certain merchant locations. In the past, transactions have been processed as Visa debit transactions unless you entered a PIN. Now, if you do not enter a PIN, transactions may be processed as either a Visa debit transaction or as a STAR transaction.

Merchants are responsible for and must provide you with a clear way of choosing to make a Visa debit transaction if they support the option. Please be advised that should you choose to use the STAR network when making a transaction without a PIN, different terms may apply. Certain protections and rights applicable only to Visa debit transactions as described in this Agreement will not apply to transactions processed on the STAR network. Please refer to the paragraph labeled "Your Liability for Unauthorized Transfers" for a description of these rights and protections applicable to Visa debit and non-Visa debit transactions.

To initiate a Visa debit transaction at the POS, swipe your Card through a POS terminal, sign the receipt, or provide your Card number for a mail order, telephone, or Internet purchase. To initiate a non-Visa debit transaction at the POS, enter your PIN at the POS terminal or provide your Card number after clearly indicating a preference to route your transaction as a non-Visa debit transaction for certain bill payment, mail order, telephone, or Internet purchases.

Returns and Refunds

If you are entitled to a refund for any reason for goods or services obtained with your Card, you agree to accept credits to your Card for such refunds and agree to the refund policy of that merchant. If you have a problem with a purchase that you made with your Card, or if you have a dispute with the merchant, you must handle it directly with the merchant.

Card Replacement

If you need to replace your Card for any reason, please contact us at 1-877-833-4812 to request a replacement Card. You will be required to provide personal information which may include your Card number, full name, transaction history, etc. There is a fee for replacing your Card.

Charges Made In Foreign Currencies

If you obtain 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 by Visa U.S.A. Inc. into an amount in the currency of your Card. The exchange rate between the transaction currency and the billing currency used for processing international transactions is a rate selected by Visa U.S.A. Inc. from the range of rates available in wholesale currency markets for the applicable central processing date, which may vary from the rate Visa U.S.A. Inc. itself receives, or the government-mandated rate in effect for the applicable central processing date. If you obtain your funds or make a purchase in a currency other than the currency in which your Card was issued, the Issuer may assess a foreign currency conversion fee of 3% of the transaction amount and will retain this amount as compensation for its services.

Receipts

You should get a receipt at the time you make a transaction using your Card. You agree to retain, verify, and reconcile your transactions and receipts.

Card Account Balance/Periodic Statements

You are responsible for keeping track of your Card Account available balance. Merchants generally will not be able to determine your available balance. It's important to know your available balance before making any transaction. You may access your available balance by accessing your Card Account online or by calling 1-877-833-4812. Statements in electronic format will be made available free of charge at www.myjumpcard.com during each month in which a transaction occurs. You will not automatically receive paper statements. You may choose to have a paper statement mailed to you by contacting us each time at 1-877-833-4812 However, there is a fee for this service.

Confidentiality

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

(1) Where it is necessary for completing transactions;
(2) In order to verify the existence and condition of your Card for a third party, such as merchant;
(3) In order to comply with government agency, court order, or other legal reporting requirements;
(4) If you give us your written permission; or
(5) To our employees, auditors, affiliates, service providers, or attorneys as needed.

Our Liability for Failure to Complete Transactions

If we do not properly complete a transaction from your Card on time or in the correct amount according to our Agreement with you, we will be liable for your losses or damages. However, there are some exceptions. We will not be liable, for instance:

(1) If through no fault of ours, you do not have enough funds available on your Card 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 Card has been blocked after you reported your Card lost or stolen;
(6) If there is a hold or your funds are subject to legal process or other encumbrance restricting their use;
(7) If 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 our Agreement with you.

Your Liability for Unauthorized Transfers

Contact us at once if you believe your Card has been lost or stolen. Telephoning is the best way to minimize your possible losses. If you believe your Card has been lost or stolen, or that someone has transferred or may transfer money from your Card Account without your permission, call us at 1-877-833-4812. Under Visa U.S.A. Inc. Operating Regulations, your liability for unauthorized Visa debit transactions on your Card Account is $0.00 if you notify us within two (2) business days and you are not grossly negligent or fraudulent in the handling of your Card. If you notify us within two (2) business days of any unauthorized transactions, you can lose no more than $50.00 if someone used your Card without your permission. If you do not notify us within two (2) business days after you learn of the loss or theft of your Card and we can prove that we could have stopped someone from using your Card without your permission if you had promptly notified us, you could lose as much as $500.00.

Also, if you become aware of and/or your statement shows transactions that you did not make, notify us at once following the procedures stated in the paragraph labeled "Information About Your Right to Dispute Errors". If you do not notify us in writing within sixty (60) days after you become aware of the transaction and/or after the statement was made available to you, you may not get back any value you lost after the sixty (60) days if we can prove that we could have stopped someone from taking the value if you had notified us in time and you are grossly negligent or fraudulent in the handling of your Card. If your Card has been lost or stolen, we will close your Card Account to keep losses down.

Other Terms

Your Card and your obligations under this Agreement may not be assigned. We may transfer our rights under this Agreement. Use of your Card is subject to all applicable rules and customs of any clearinghouse or other association involved in transactions. We do not waive our rights by delaying or failing to exercise them at anytime. 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. This Agreement will be governed by the law of the State of Delaware except to the extent governed by federal law.

Amendment and Cancellation

We may amend or change the terms and conditions of this Agreement at any time. You will be notified of any change in the manner provided 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 may cancel or suspend your Card or this Agreement at any time. You may cancel this Agreement by returning the Card to us. Your termination of this Agreement will not affect any of our rights or your obligations arising under this Agreement prior to termination.

In the event that your Card Account is cancelled, closed, or terminated for any reason, you may request the unused balance to be returned to you via a check to the mailing address we have in our records. There is a fee for this service. The Issuer reserves the right to refuse to return any unused balance amount less than $1.00.

Information About Your Right to Dispute Errors

In case of errors or questions about your electronic transactions, call 1-877-833-4812 or write to Jump Card Cardholder Services, PO Box 91610 Sioux Falls, SD 57109-1610 if you think your statement or receipt is wrong or if you need more information about a transaction listed on the statement or receipt. You must contact us no later than sixty (60) days after the FIRST statement was made available to you on which the problem or error appeared.

1. Provide your name and Card number (if any).
2. Describe the error or the transaction you are unsure about, and explain why you believe it is an error or why you need more information.
3. Provide the dollar amount of the suspected error.

If you provide this information orally, we may require that you send your complaint or question in writing within ten (10) business days. We will determine whether an error occurred within ten (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 forty-five (45) days to investigate your complaint or question. For errors involving new Cards, POS transactions, or foreign-initiated transactions, we may take up to ninety (90) days to investigate your complaint or question. 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. Copies of the documents used in the investigation may be obtained by contacting us at the phone number or address listed at the beginning of this section.

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.

Customer Service

For customer service or additional information regarding your Card, please contact us at:

JumpCard Visa Prepaid Card
PO Box 91610
Sioux Falls, SD 57109-1610
1-877-833-4812

This Cardholder Agreement is effective 06/2011

OUR PRIVACY NOTICE

Your account with Jump Card Visa Prepaid Card is issued and operated by The Bancorp Bank and is governed by The Bancorp Bank's privacy practices..
FACTS:	What Does The Bancorp Bank Do With Your Personal Information?
Why?	Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some, but not all, sharing. Federal law also requires us to tell you how we collect, share and protect your personal information. Please read this notice carefully to understand what we do.
What?	The types of personal information we collect and share depend on the product or service you have with us. This information can include: Social Security Number and income Account balances and transaction history Credit history and credit scores When you are no longer our customer, we continue to share your information, as described in this notice.
How?	All financial companies need to share customers' personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers' personal information, whether The Bancorp Bank shares your information, and whether you can limit this sharing.

Reasons We Can Share Your Personal Information	Does The Bancorp Bank share?	Can you limit this sharing?
For our everyday business purposes - Such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus	Yes	No
For our marketing purposes - To offer our products and services to you	Yes	No
For joint marketing with other financial companies	Yes	No
For our affiliates' everyday business purposes - Information about your transactions and experiences	No	We don't share
For our affiliates' everyday business purposes - Information about your creditworthiness	No	We don't share
For nonaffiliates to market to you	No	We don't share

Call us, toll-free, at 1-877-833-4812, email us at customerservice@myjumpcard.com, or visit us at www.myjumpcard.com .

What We Do
How does The Bancorp Bank protect my personal information?	To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings. We also limit access to information to those employees for whom access is necessary.
How does The Bancorp Bank collect my personal information?	We collect your personal information when, for example, you: open an account or apply for a loan pay your bills or make a wire transfer provide account information We also collect your personal information from others, such as credit bureaus.
Why can't I limit all sharing?	Federal law gives you the right to limit only: sharing for affiliates' everyday business purposes - information about your creditworthiness sharing for nonaffiliates to market to you State laws and individual companies may give you additional rights to limit sharing.

Definitions
Affiliates	Companies related by common ownership or control. They can be financial and nonfinancial companies. The Bancorp Bank has no affiliates with which it shares your personal information.
Nonaffiliates	Companies not related by common ownership or control. They can be financial and nonfinancial companies. The Bancorp Bank does not share with nonaffiliates so they can market to you.

Jump Card Fees & Limits

It is our goal to make using The Jump Card an easy to understand and cost effective experience. Please see the following fees and explanations to make the best use of your account.

Fee Name	Amount	Description
Card Activation and Load Fee	$8.00 one time	Charged one time when you activate the Card
Account Maintenance Fee	$8.00 per month	The Account Maintenance Fee includes unlimited Bill Pay transactions and unlimited Visa signature and PIN purchase transactions. This means you can get cash back with PIN purchases and avoid ATM fees.
FREE transactions The following transactions are included at no charge with your monthly Jump Card membership.
Visa Signature Transactions	Online Account Access	Online Bill Payment (electronic)
PIN Purchase Transactions	TXT and Email Alerts	Online Bill Payment (paper check)
Direct Deposit Funding	Retail Cash Funding (retailer may charge a service fee)	One ATM Withdrawal with each Direct Deposit
ATM Transactions Fees Be smart about using ATMs. The less cash you withdraw at an ATM, the higher your average cost per dollar is. Depending on how much cash you need, it may be far cheaper to use your PIN for a purchase and use our FREE cash-back option. Also, remember that the ATM you use will likely charge you a fee in addition to the fees listed here.
ATM Withdrawal Fee (in U.S.)	$1.50 per withdrawal	One FREE ATM withdrawal is included with each Direct Deposit you receive. You will usually need to pay a local ATM fee.
ATM Withdrawal International Fee	$3.50 per withdrawal	This is higher to cover international network fees
ATM Decline Fee (in U.S.)	$0.50 per decline
ATM Decline (outside U.S.) International Fee	$1.00 per decline
Other ATM Transactions Fee (ATM balance inquiry)	$0.50 per action or transaction	These include checking your balance at an ATM, or other non-cash disbursement transactions that some ATM's may offer. Sign up for free alerts or check your transaction history online and you shouldn't need to use ATMs for this purpose.
Purchase Transactions You will never pay a fee to make a purchase with your Card. In fact, follow our advice and we may pay YOU!
Visa Signature Purchase	FREE + reward value	Select CREDIT when you make your purchases to earn reward value. We know if seems strange to select CREDIT to use a prepaid card, You will still only have access to the available balance on your Card.
PIN Debit Purchase	FREE (no reward value)	Select DEBIT and use your PIN when you make your purchases if you want to receive cash back from the merchant and avoid ATM fees.
Customer Service The Card offers many ways to get free information about your account online and via text message and email.
Online Account Access	FREE	Logging into our online banking system is always free.
TXT and Email Alerts	FREE	Sign up for a wide variety of alerts about your account including Daily Balance, Low Balance, Purchase Completed and much more. Standard Carrier Text Message rates apply when applicable.
Automated Telephone Support	$0.50 per action or transaction	A variety of transactions that can be conducted online for free may also be conducted on the telephone for a fee.
Live Telephone Support	$2.00 per call	When you need to speak to a live person, we're here for you 24x7x365.
Reissue Card Fee	$5.00 per Card	If you need to replace your Card, you will be charged a fee and the Card will be sent to you in 7-10 business days. Your existing Card will work until you activate your new Card. If you call and report your Card lost or stolen, your old Card will be disabled immediately to protect you. You may only have one active Card at a time.
VIP Delivery of Replacement Card Fee	$25.00 per Card	Your new Card will be printed and sent for delivery within 2 business days
Express Delivery of Replacement Card Fee	$15.00 per Card	Your new Card will be printed and sent for delivery within 4 business days.
Administrative Fee to Close Account	$10.00 per request	Fee to close your account and mail you a check with the remaining balance from your Card.
Online Bill Payment The Card offers you the ability to pay bills in a variety of ways.
Pay using Visa	FREE	Pay your bills as Visa transactions and earn reward value for each payment.
Online Bill Payment Fee	FREE	Find over 10,000 billers in our automated system. If you don't see your biller and you know they accept electronic payment, submit an online request to create a new one.
Paper Check Payment Fee	FREE	If your biller does not accept electronic payments or Cards, you can still pay for free by designating a paper check payment. A check will only be mailed if the funds are available in your account at the time you send it. Funds are held from your available balance until the check is cashed.
Stop Payment on a Paper Check Fee	$15.00 per check	When a paper check payment has not been cashed, we can make it invalid and return the amount to your available balance less this fee.
Other Fees
Card to Card Transfers Fee	$2.00 per transfer	Charged to your Card when you send funds to another Jump Card cardholder. Compared with wire services this is a very cost effective method of sending money to other cardholders.
Cash Withdrawal Fee (over the counter)	$5.00 of transaction	This is an alternative method to receive cash from your Card at a financial institution. It's the most expensive cash access method and we recommend using it only when you need to get an exact amount from your Card.
Paper Statements	$5.00	Charged to your card when you request to receive a paper copy of your cardholder statement.
Limits
Daily Cash Load Limit	$999.00 per day
Maximum Card Balance ACH Transfers	$10,000.00 if loaded via direct deposit $500.00 per day
Maximum ATM withdrawal	No more than 3 withdrawals totaling no more than $900.00 per day
Maximum Cash Withdrawal (over the counter)	The maximum cumulative amount that may be withdrawn from a participating bank (over the counter withdrawal) per day is $500.00 per day.