IMPORTANT – PLEASE READ CAREFULLY

1.                     Terms and Conditions/Definitions for the PODER Payroll MasterCard® Card

This document constitutes the agreement (“Agreement”) outlining the terms and conditions under which the PODER Payroll MasterCard Card has been issued to you. By accepting and using this Card, you agree to be bound by the terms and conditions contained in this Agreement. In this Agreement, “Card” means the PODER Payroll MasterCard Card issued to you by BankFirst. “Issuer” means BankFirst.  BankFirst is a FDIC insured member institution.  “Card Account” and “Account” means the records we maintain to account for the value of claims associated with the Card.  You acknowledge and agree that the value available on the Card is limited to the funds that you have loaded onto the Card, or have been loaded onto the Card on your behalf.  “You” and “your” means 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 BankFirst, our successors, affiliates or assignees. You agree to sign the back of the Card immediately upon receipt.  The expiration date of your Card is identified on the front of your Card. The Card will remain the property of BankFirst 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. 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 identify you. We may also ask to see your driver’s license or other identifying documents.

The Card is a prepaid card. The Card allows you to access funds you place on the Card.  The Card is not connected in any way to any other account. The Card is not a credit card.  You will not receive any interest on your funds on the Card. BankFirst’s business days are Monday through Friday, excluding holidays, even if we are open.

Authorized Users

You may request an additional Card for another person. You may also permit another person to have access to your Card or Card number. However, if you do, you are liable for all charges made by those persons.  You must notify us to revoke permission for any person you previously authorized to use your Card. You are responsible for all charges and fees incurred by any other person you have authorized. If you tell us to revoke another person’s use of your Card, we may revoke your Card and issue a new Card with a different number. You are wholly responsible for the use of each Card according to the terms of this Agreement.

Personal Identification Number (“PIN”)

We may, at our option, provide you with a temporary Personal Identification Number (“PIN”).  You can select a new PIN by calling us toll free at 1-866-PODERMC (callers dialing outside the U.S.  may call 1-214-446-5832).  You will be required for validation purposes to provide the last four digits of your social security number or government issued identification in order to change your PIN over the telephone.  Your new PIN will become active immediately. Be sure to choose a PIN that is easy for you to remember. You may use your Card to obtain cash from any Automated Teller Machine (“ATM”) or any Point-of-Sale (“POS”) device, as permissible by merchant, which requires entry of a PIN that bears the MasterCard®, Maestro®, Cirrus® or STAR® brand. All ATM transactions are treated as Cash withdrawal transactions. You should not write or keep your PIN with your Card. 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.”

2.                 Loading Your Card/Features

You may add funds to your Card, called “value loading”, at any time. The minimum amount of each initial value load is $10.00. The minimum amount of each value reload must be at least $10.00. The maximum amount of each value load is $2,500.00.  The maximum number of times you may load your Card per day is two (2). The maximum cumulative amount that may be withdrawn from an ATM or POS device per day is $500.00. The maximum cumulative amount that can be withdrawn from a participating bank per day is the available balance of your Card. The maximum amount that can be spent on your Card per day is $2,500.00. The maximum value of your Card is restricted to $5,000.00. You may add value or load your Card via Direct Deposit Payroll and at participating Green Dot® Network locations. To obtain further information on locations call 1-866-PODERMC.

Direct Deposit Account

Your prepaid Card Account and associated direct deposit account number cannot be used for pre-authorized direct debits from merchants or from utility or Internet service providers. If presented for payment, these pre-authorized direct debits will be declined and your payment to the merchant or provider will not be processed. The bank routing number and 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 account number to anyone other than your employer.

You may use your Card to purchase or lease goods or services wherever Debit MasterCard, Maestro cards, or STAR cards are accepted as long as you do not exceed the value available on your Card Account. You are responsible for all authorized transactions initiated by use of your Card. If you permit someone else to use your Card or Card number we will treat this as if you have authorized such use, and you will be responsible for any transactions made subject to such use. Some merchants do not allow cardholders to conduct split transactions where you would use the Card as partial payment for goods and services and paying the remainder of the balance with another form of legal tender.

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 use your Card to access cash at an ATM. You may not use your Card for any illegal transaction.

Each time you use your Card, you authorize us to reduce the value available on your Card Account by the amount of the transaction. You are not allowed to exceed the available amount on 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 or charges.

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 Betting, Gambling, Escort Services, and Fortune Teller transactions will be declined.

3.                     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.

4.                     Foreign Transactions

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 MasterCard International into an amount in the currency of your Card. MasterCard International will establish a currency conversion rate for this convenience. This percentage amount is independent of any amount taken by the Issuer in accordance with the following paragraph of these terms and conditions.

If you obtain your funds in a currency other than the currency in which your Card was issued, the Issuer will increase the currency conversion rate (described in the immediately preceding paragraph) by an additional 2% and will retain this amount as compensation for its services.  This charge is independent of the currency conversion rate established by MasterCard International.

5.                     Receipts

You should get a receipt at the time you make a transaction or obtain cash using your Card. You agree to retain your receipt to verify your transactions.

6.                     Periodic Statements

You can review your Card balance and transaction history 24 hours a day, 7 days a week by enrolling your Card online at www.poderonline.com free of charge. You will not automatically receive paper statements.  You may choose to have a paper statement mailed to you by contacting us each time at customerservice@Poderonline.com, or mail your request to PODER MasterCard, P.O. Box 1008, Loxahatchee, FL. 33470-1008. However there is a $3.00 fee for this service. You can also call our automated call center for balance