OmniMoney by Boost Mobile Visa Prepaid Debit Card Agreement

1Bank's ABA routing number and your Card Account number may be used for the purpose of initiating ACH direct deposits to your Card Account. The recipient's name on any direct deposit(s) that Bank receives must match the name of the cardholder. Any direct deposits received in a name other than the cardholder's name may be returned to the originator.
2Cash load locations used to send funds to your Card Account may impose their own terms and conditions, including fees and transaction limits (including per transaction, daily, weekly or monthly limits on the frequency or amount of cash you may deposit to your Card Account).
3ATM cash deposits are only available at MoneyPass ATMs.
4Different minimums may be set by each ATM operator.

D. No Overdrafts Permitted
You are not permitted to overdraw your Card Account. If the available balance in your Card Account is insufficient to cover any payment or withdrawal you have authorized, the payment or withdrawal you have requested can be declined. If your Card Account balance becomes negative for any reason, you must load funds immediately to cover the negative balance. Any load we receive to your Card Account will first be applied to any negative balance in your Card Account. We may also use any funds in any other account you have at Bank to offset a negative balance in your Card Account. You may not overdraw and there is no overdraft feature for the Card Account. In the event that you are liable for any amounts to us, such as but not limited to: (i) when you incur a chargeback or a returned transaction from your External Financial Account(s); or (ii) fees that are due to us according to the Fee Schedule in this Agreement (such balance, a “Negative Balance”), we may deduct such amounts from your Account Balance when future loads or other funds are deposited to your Card Account. If you incur a Negative Balance, meaning you do not have sufficient funds in your Card Account, you authorize us to deduct funds as they are available until the Negative Balance is repaid to us in full. You further agree and authorize us to initiate a load to your Card Account from your External Financial Account to offset the Negative Balance. If we are not able to offset the Negative Balance, you agree that you will load your Card Account to offset the Negative Balance. We may refer a Negative Balance to a collection agency at our sole discretion, and you will be responsible for any costs or charges we incur in doing so.

E. Card Account Closure, Holds, Suspensions and Restrictions
Bank reserves the right to close, suspend, freeze or restrict your Card Account for any reason with or without notice to you. Such reasons include, but are not limited to:

• 1. If we, at any time, believe that the Card Account is being used for fraudulent or illegal purposes, or the Card Account presents an undue risk to Bank as determined in our sole discretion.
• 2. Your use of the Card Account conflicts with any federal, state, or local law, rule or regulation, including federal foreign asset control requirements and anti-money laundering rules, or with Bank's policies designed to assure Bank's compliance with such law, rule or regulation.
• 3. We receive a court order or other valid legal process to suspend or close your Card Account.
• 4. Your actions otherwise violate any part of this Agreement.

If the Card Account is cancelled, closed, or terminated for any reason, any recurring Card transactions received after the Card Account closure date will be rejected.

F. Illegal Transactions
You may not use your Card Account for illegal online gambling or any other illegal transactions. Bank may refuse to process any transaction that it believes may violate the terms of this Agreement or applicable law. You acknowledge and agree that Bank has no obligation to monitor, to review or to evaluate the legality of your transactions. To the fullest extent permitted by law, you agree to pay for any transaction that you authorized, even if that transaction is determined to be illegal.

G. Dormant or Abandoned Property.
We comply with applicable law, which requires escheat of abandoned property to the state of your residence or other governing state law after specified periods of time. The laws vary by state. If you discontinue your use of the Card Account or fail to use your Card Account for a period of time, and leave a balance of funds, or if we deactivate your Card Account and you do not meet the conditions necessary to reinstate it, we may close your Card Account and escheat (send) your unclaimed funds to the state which has unclaimed property jurisdiction over the abandoned funds. The specified period of time to report and send funds in an inactive or closed Card Account to such jurisdiction varies. A Card Account listed as a dormant or inactive account may be subject to a maintenance or a dormancy fee as reflected in our then current Fee Schedule, to the extent permitted by law.

 

3. USING THE CARD

A. Card Activation
You must activate the Card before it can be used. Activation instructions will be provided with the Card.

B. Personal Identification Number
You will also be required to set a Personal Identification Number (“PIN”) during the Card activation process. You should not write or keep your PIN with your Card. Never share your PIN with anyone. If you believe that anyone has gained unauthorized access to your PIN, you should contact us immediately following the procedures in Section 4(C) (“Your Liability for Unauthorized Transfers”) below.

C. Card Purchases
You may use the Card to purchase goods or services everywhere Visa debit or Maestro cards are accepted. Each time you use the Card, you authorize Bank to reduce the available balance in your Account by the amount of the Card transaction and any applicable fees.

D. Cash Withdrawals with the Card
With the PIN, you may use your Card to withdraw cash from your Account at any ATM or Point-of-Sale device (if cash-back functionality is made available by the merchant) that bears the Visa or Maestro acceptance marks. All ATM transactions are treated as cash withdrawal transactions. Each time you withdraw cash with the Card, you authorize Bank to reduce the available balance in your Account by the amount of the cash withdrawal and any applicable fees. When you use a non-MoneyPass ATM, you may be charged a fee by the ATM operator, and you may also be charged a fee for a balance inquiry even if you do not complete a cash withdrawal. Such fee is a third-party fee assessed by the individual ATM operator only and is not assessed by us. The ATM fee will be charged to your Card Account.

E. Authorized Card Transactions
You are responsible for all authorized transactions initiated by use of your Card. If you permit another person to have access to your Card, we will treat this as if you have authorized any use of your Card by that person, and you will be liable for all transactions and fees incurred by that person.

F. Transactions Made in Foreign Currencies
If you use the Card to make purchases or obtain cash in a currency other than the U.S. Dollar, the amount deducted from the available balance in your Card Account will be converted by Visa into an amount in U.S. Dollars. The exchange rate between the transaction currency and the U.S. Dollar used to process such Card transactions is a rate selected by Visa from the range of rates available in wholesale currency markets for the applicable central processing date, which may vary from the rate that Visa itself receives, or the government-mandated rate in effect for the available central processing date. You will be charged a fee for any transactions conducted in currencies other than the U.S. Dollar, as set forth in Section 5 (Fee Schedule). If such a transaction results in a credit due to a return, we will not refund any fee that may have been charged on your original purchase.

G. Sending Money Internationally (“International Remittances”).

• i. Sending an International Remittance transaction.
  To start a transaction, you must log on to your Mobile App, using your username and password. Every time you submit a transaction, you are placing an instruction for us to process and payout an International Remittance, which we may accept or reject at our sole discretion. You will need to provide us with the transfer amount, the name of the designated recipient, the destination country, the recipient bank or entity, and whether you want the total amount for the recipient picked up in person by the recipient or deposited into the recipient's bank account. For International Remittances in the form of account deposits, you also need to provide us with the account number and the exact name appearing on the bank account. The country(ies) available for International Remittances is listed in the Fee Schedule.
  We will require you to provide certain information about the recipient. This includes the recipient's full legal name and address, country, and (if available) the telephone number. Depending on other circumstances, including the amount of your Transaction and the method for receiving the total amount by recipient, we may ask for additional information about the recipient, including a copy of the recipient's government-issued personal identification document and ID number. Also, we may require additional information from you or from your recipient to process the transaction. Depending on other circumstances, including the amount of your transaction, we may ask for additional information such as a copy of your government issued ID, your social security number, your occupation, and the source of the money being sent. Also, Program Manager may lawfully obtain information about you from other sources, including non-personally identifiable information that may be obtained while you visit the Mobile App.
  Once we accept a transaction from you for processing and payment, we will send you a receipt to confirm the transaction, including the transfer amount, the total amount being sent to the recipient, the currency exchange rate (if any), and the expected date of delivery. For transactions paid out to the recipient in person, the receipt will also include a confidential confirmation number that you need to send to the recipient for presentation at the time of payment. We will send you the receipt by email, at the email address that you provided.
  After we have verified your identity, sufficient Card Account balance and completed the screening for proper compliance with applicable laws and regulations, the transaction will be promptly made available to the recipient on or after the date indicated on the receipt for either in-person pick up at a destination country payout entity (“Payout Entity”) location during normal business hours, or deposit into recipient's bank account in the destination country.
• ii. Payments and Fees.
  
  • a. To send a transaction, you must have a sufficient Card Account balance with us to fully pay us the transfer amount that you wish to send to the recipient, including a transfer fee. For transfers fees, see the Fee Schedule in this Agreement. We charge a transfer fee on every transaction, which you are required to pay us in addition to the transfer amount. Both are due at the time that you initiate your transaction. The transfer fees do not include any fees that the recipient's bank may charge, which may be deducted from your payment or the transfer amount received by the recipient (in the case of the recipient's bank). The transfer fee is displayed prior to the time that you initiate your transaction.
    Some states may assess taxes on your transactions. These taxes will appear on your receipt. The recipient may also receive less due to taxes and additional third party fees charged within the destination country and may also receive less due to taxes charged in the destination country.
  • b. To send money using an external U.S.-based bank account as your source of funding, you must have a sufficient account balance in that external U.S.-based bank account to cover the corresponding amounts, fees, and charges. The transfer fees do not include any fees that the recipient's bank may charge, which may be deducted from your payment or the transfer amount received by the recipient (in the case of the recipient's bank). The transfer fee is displayed prior to the time that you initiate your transaction. If you are sending money using an external U.S.-based bank account as your source of funding, this transaction is not processed through your Card or Card Account.
    You are responsible for ensuring that the amount of the transaction is within the designated limits of your Card Account even though the transaction is not processed through your Card or Card Account. If we execute the payment of a transaction pursuant to your order or instructions and subsequently are advised that your external U.S.-based bank account has insufficient funds available, you remain liable to us for the full amount of the transaction.
  • c. To send money using an external debit card as your source of funding, you must have a valid debit card issued by a U.S.-based bank or financial institution bearing the Visa® or MasterCard® logo. You may not use prepaid debit cards or gift cards to send an International Remittance. By selecting the option of payment by debit card, you authorize us to charge your debit card for the transfer amount, the transfer fee, and any other applicable charges. We will process and complete your transaction only on the condition that the issuer of your debit card has authorized the corresponding amounts, fees, and charges. The transfer fees do not include any fees that the recipient's bank may charge, which may be deducted from your payment or the transfer amount received by the recipient (in the case of the recipient's bank). The transfer fee is displayed prior to the time that you initiate your transaction. If you are sending money using an external debit card as your source of funding, this transaction is not being processed through your Card or Card Account.
    You are responsible for ensuring that the amount of the transaction is within the designated limits of your Card Account even though the transaction is not processed through your Card or Card Account. If we execute the payment of a transaction pursuant to your order or instructions and subsequently are advised that your selected debit card has insufficient funds available, you remain liable to us for the full amount of the transaction.
    Please note that your user agreement with the issuer of your external debit card governs your use of that card. You must refer to that agreement to determine your rights and liabilities as a cardholder, which may include cash advance or other fees.
• iii. Exchange Rate.
  • a. FX Margin. If the transaction is paid to a recipient in a currency (the “Payout Currency”) other than United States Dollars, a retail exchange rate may be applied, in addition to the transfer fee appearing on the face of your pre-payment disclosure and receipt, and we will retain the difference between the currency exchange rate with which we buy the currency and the currency exchange rate which we use to convert the first currency into the second currency. The transfer amount (in United States Dollars), the currency exchange rate that will be applied to your transaction, and the total to be paid to the recipient (in the destination country currency), will be displayed for your confirmation and approval before you send the transaction. The exchange rate will be rounded to a consistent number of decimal places for each currency pursuant to applicable laws and regulations.
  • b. Exchange Rate Locked In. The exchange rate that is quoted when you initiate the transaction will be locked-in only for a limited time. If you pay for a transaction outside this time period, the exchange rate may change, in which case you must confirm a new exchange rate before paying for the transaction. For each transaction, the exchange rate and total to be paid to the recipient that you confirm and approve will be maintained for that specific transaction, regardless of the specific day on which the money is picked up by or made available to the recipient.
  • c. Currency Exchange. The Payout Entity must pay out the transaction in the payout currency identified in your instructions. If a recipient desires payment of the transaction in another currency, the recipient and the Payout Entity must enter into a separate foreign exchange transaction to convert the payout currency into the recipient's currency of choice. That foreign exchange transaction is a separate transaction between the recipient and the Payout Entity only, and we have no responsibility for or liability in connection with that foreign exchange transaction.
• iv. Cancelling a Remittance; Refunds.
  You may cancel your transaction for a full refund of the transfer amount and transfer fee within 30 minutes of authorizing the transaction if the total to recipient has not yet been paid out to the recipient or deposited into the recipient's account. You may also receive a refund in certain circumstances as provided by law.
  • a. For California:
    RIGHT TO REFUND: “You, the customer, are entitled to a refund of the money to be transmitted as the result of this agreement if Program Manager does not forward the money received from you within 10 days of the date of its receipt, or does not give instructions committing an equivalent amount of money to the person designated by you within 10 days of the date of the receipt of the funds from you unless otherwise instructed by you. If your instructions as to when the moneys shall be forwarded or transmitted are not complied with and the money has not yet been forwarded or transmitted, you have a right to a refund of your money. If you want a refund, you must mail or deliver your written request to Alviere at E&O Mailing Address: 1040 S Gaylord St. Denver, CO 80209. If you do not receive your refund, you may be entitled to your money back plus a penalty of up to $1,000 and attorney's fees pursuant to Section 2102 of the California Financial Code.”
  • b. For Washington State:
    Program Manager shall refund all moneys received for transmittal within ten days of receipt of a written request for a refund unless any of the following occurs:
    • i. The moneys have been transmitted and delivered to the recipient prior to our receipt of the written request for a refund;
    • ii. Instructions have been given committing an equivalent amount of money to the recipient prior to our receipt of a written request for a refund;
    • iii. We have reason to believe that a crime has occurred, is occurring, or may potentially occur as a result of transmitting the money as requested by you or refunding the money as requested by you; or
    • iv. We are otherwise barred by law from making a refund.
    •  

4. ELECTRONIC FUNDS TRANSFER DISCLOSURE AND SPECIAL TERMS AND CONDITIONS

 

A. Electronic Funds Transfer Services
Types of Electronic Funds Transfers Available:

• 1. You may arrange with another party, such as your employer, a government agency, or other financial institutions, to electronically deposit funds on a one-time or recurring basis directly to your Card Account.
• 2. You may authorize another party, such as a merchant, using your Card number to electronically withdraw funds on a one-time or recurring basis directly from your Card Account.
• 3. You may use the Card to make purchases at merchants that accept the Card on a one-time or recurring basis, or to obtain cash at ATMs and, subject to availability, cash back at POS terminals.

Limitations on Transfers, Amounts and Frequency of Transactions: At Bank's discretion, the number and amount of transfers per day or month may be limited. See Section 2(C) above for frequency and dollar amount limitations on transfers to and from your Card Account.
Right to Receive Documentation of Electronic Funds Transfers:

• 1. Balance and Transaction History: You may obtain information about the amount of money you have remaining in your Card Account by calling 1-866-287-7054. This information, along with a 12-month history of Card Account transactions, is also available online on the Mobile App.
  If your Card Account is registered with us, you also have the right to obtain at least 24 months of written history of Card Account transactions by calling 1-866-287-7054. You will not be charged a fee for this information unless you request it more than once per month.
• 2. Direct Deposits: If you have arranged to have direct deposits made to your Card Account at least once every 60 days from the same person or company, you can view the transaction on the Mobile App to find out whether the deposit has been made. You may also call Customer Service at 1-866-287-7054 to verify whether the deposit has been received.
• 3. Receipts: You can get a receipt at the time you make any Card transaction at a merchant or ATM. However, for certain small dollar transactions at merchant locations, you may not receive a receipt.

B. Preauthorized Transfers (Recurring Payments)
Right to Stop Payment of Preauthorized Transfers and Procedure for Doing So
If you have told us in advance to make regular payments with the Card (“recurring payments”), you can stop any of these payments. Here's how: email us at Omnimoney@alviere.com, in time for us to receive your request 3 business days or more before the payment is scheduled to be made.
To stop a recurring payment to a merchant that you authorized to debit the Card on a regular basis, it is best to contact the merchant directly to request cancellation of the recurring payment.
If the merchant with whom you arranged recurring payments from the Card is unable or unwilling to stop the transfer, email us at Omnimoney@alviere.com, in time for us to receive your request 3 business days or more before the recurring payment is scheduled to be made. Such a stop payment request will also cancel all future payments for the recurring transaction to which the stop payment request relates, unless you authorize the recurring transaction again with the merchant.
Notice of Varying Amounts
If recurring payments may vary in amount, the person you are going to pay is required to tell you, 10 days before each payment, when it will be made and how much it will be. You may choose instead to get this notice only when the payment would differ by more than a certain amount from the previous payment, or when the amount would fall outside certain limits you set.
Liability for Failure to Stop Payment of Preauthorized Transfer
If you order us to stop one of these recurring payments 3 business days or more before the recurring payment is scheduled, and we do not do so, we will be liable for your losses or damages.

C. Your Liability for Unauthorized Transfers
Contact Customer Service IMMEDIATELY if you believe your Card or PIN number has been stolen, or if you believe that an electronic fund transfer has been made without your permission. Calling us at 1-866-287-7054 or emailing us at Omnimoney@alviere.com is the best way to keep your possible losses down. You could lose all the money in your Card Account.
If you tell us within 2 business days after you learn of the loss or theft of your Card or PIN, you can lose no more than $50 if you someone used your Card or PIN without your permission. If you do NOT tell us within 2 business days after you learn of the loss or theft of your Card or PIN, and we can prove we could have stopped someone from using your Card or PIN without your permission if you had told us, you could lose as much as $500. Also, if your electronic transaction history shows transactions that you did not make, including those made by your Card, PIN or other means, tell us at once. If you do not tell us within 60 days after the earlier of the date you accessed your Card Account (if the unauthorized transaction could be viewed in your electronic history) or the date that we sent the FIRST written history on which the unauthorized transaction appeared, you may not get any money you lost after the 60 days if we can prove we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or hospital stay) kept you from telling us, we will extend the time periods. If you believe your Card or PIN has been lost or stolen, call us at 1-866-287-7054 or email us at Omnimoney@alviere.com. If your Card or PIN has been lost or stolen, we may close your Card, deactivate your PIN, and issue you a new Card (with a new Card number) or PIN (as applicable). If we change your Card number, you must immediately inform merchants of your new Card number to ensure your recurring Card transactions continue uninterrupted. Your Liability for Unauthorized Card Transfers Under Visa's Zero Liability Policy, your liability for unauthorized transactions using your Card is $0.00 if you are not negligent or fraudulent in the handling of the Card. This reduced liability does not apply to certain commercial card transactions, transactions not processed by Visa, or to anonymous prepaid cards (until such time as the identity of the cardholder has been registered with us). The reduced liability policy also does not apply if you wait more than 60 days to report an unauthorized transaction after the earlier of the date you electronically access your Card Account (if the unauthorized transaction could be viewed in your electronic history), or the date we sent the FIRST written history of your transactions on which the unauthorized transaction appeared.

D. Bank's Liability for Failure to Complete Transactions
If a transaction is not properly completed with 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 in your Card Account to complete the Card transaction;
• 2. If a merchant refuses to accept the 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 Card transaction does not operate properly, and you knew about the problem when you initiated the transaction;
• 5. If access to your Card or PIN has been blocked after you reported your Card or PIN;
• 6. If there is a hold on your funds in your Card Account, or your Card Account funds are subject to legal or administrative process or other encumbrance restricting their use;
• 7. If we have reason to believe the requested Card transaction is unauthorized;
• 8. If circumstances beyond our control (such as fire, flood, or computer communication failure) prevent the completion of the Card transaction, despite reasonable precautions that we have taken; or
• 9. Any other exception stated in our Agreement with you.

E. Information About Your Right to Dispute Errors
In case of errors or questions about your electronic transactions, send us an email at Omnimoney@alviere.com or contact Customer Service at 1-866-287-7054 as soon as you can, if you think an error has occurred in your Card Account, or if you need more information about a transaction. We must hear from you no later than 60 days after the earlier of the date that you electronically access your Card Account (if the error could be viewed in your electronic transaction history) or the date we sent the FIRST written history on which the error occurred. In any case, we may limit our investigation of any alleged error that you do not report to us within 120 days of the posted transaction. You may request a written history of your transactions at any time by calling us at Omnimoney@alviere.com. You will need to tell us:

• 1. Your name, Card number and email address associated with your Card (if any);
• 2. A description of the error or transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information; and
• 3. The dollar amount of the suspected error.

If you provide this information verbally, 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 45 days to investigate your complaint or question. If we decide to do this, and your Card Account is registered with us, we will 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 to complete our investigation. If we ask you to put to put your complaint or question in writing and we do not receive it within ten (10) business days, we may not credit your Card Account. For errors involving new Card Accounts, point-of-sale transactions or foreign-initiated transactions, we may take up to ninety (90) days to investigate your complaint or question. For new Card Accounts, we may take up to twenty (20) business days to credit your Card 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 by contacting Customer Service. If you need more information about our error-resolution procedures, call us at 1-866-287-7054 or visit myomnimoney.com. It is important to register your Card Account as soon as possible. Until you register your Card Account and we verify your identity, we are not required to research or resolve any errors regarding your Card Account. To register your Card Account, go to the Mobile App or call us at 1-866-287-7054. We will ask you for identifying information about yourself (including your full name, address, date of birth and social security number, so that we can verify your identity.

 

5. FEE SCHEDULE

You agree to pay the Card Account fees set forth in the List of all fees for the OmniMoney Visa Prepaid Debit Card below. All the fees will be debited from your Card Account and will be assessed as long as there is a remaining balance in your Card Account. If at any time your remaining Card Account balance is less than the fees being assessed, the balance of your Card Account will be applied to the fees resulting in a zero balance in your Card Account. The remainder of the fees due will be collected upon the next deposit into your Card Account.

Summary of Fees:

• MonthlyFee                Per Purchase       ATM Withdrawal.             Cash Reload
  $0.00                              $0.00                    $1.30 in-network.               $4.00*
                                                                  $3.00* out-of-network                                                        
•  
• ATM balance inquiry(in-network or out-of-network)              $0.00
• Customer Service (automated or live agent)                             $0.00
• Inactivity (after 12 months with no transactions)                      $2.00 per month
•  
• We charge 8 other types of fees. Here are some of them:
• Replacement card                                                                          $6.00 per card
• International remittance                                                               $3.50 per transaction
•  
• *The fees listed may be lower depending on location
  
  
  No overdraft/credit feature.
  Your funds are eligible for FDIC insurance.
  
  For general information about prepaid accounts, visit cfpb.gov/prepaid. Find details and conditions for all fees in the complete fee schedule below.
  
  Financial Institution: Community Federal Savings Bank, Member FDIC
  Name of the Prepaid Account Program: Omni Money by Boost Mobile Debit Card
  Program Manager: Mezu (NA), Inc. dba. Alviere

List of all fees for the OmniMoney Visa Prepaid Debit Card:

Your funds are FDIC insured. Your funds will be held at or transferred to Community Federal Savings Bank, an FDIC-insured institution. Once there, your funds are insured up to $250,000 by the FDIC in the event Community Federal Savings Bank fails, if specific deposit insurance requirements are met. See fdic.gov/deposit/deposits/prepaid.html for details.

No overdraft/credit feature.

You may contact Customer Support for questions about your Card or transactions in the following ways: by email at Omnimoney@alviere.com, by mail at 1040 S Gaylord St. Denver, CO 80209 or by calling 1-866-287-7054.

For general information about prepaid accounts, visit cfpb.gov/prepaid. If you have a complaint about a prepaid account, contact our customer care team at Omnimoney@alviere.com, by calling 1-866-649-0669, or by mail at 1040 S Gaylord St. Denver, CO 80209. You may also call the Consumer Financial Protection Bureau at 1-855-411-2372 or visit cfpb.gov/prepaid.

6. OTHER AGREEMENT TERMS

A. No Warranty of Availability or Uninterrupted Use
From time to time, services related to the Card Account may be inoperative. When this happens, you may be unable to access Mobile App, and you may be unable to use the Card or obtain information about the Card Account. Please notify us if you have any problems using the Card Account or Mobile App. You agree that, except as required by applicable law, that Bank or Program Manager will not be responsible for temporary interruptions in service due to maintenance, website changes, or failures, nor shall Bank or Program Manager be liable for extended interruptions due to failures beyond Bank's or Program Manager's control, including but not limited to the failure of interconnecting and operating systems, computer viruses, forces of nature, pandemics, labor disputes and armed conflicts.

B. Limitation of Liability
Except as required by applicable law, Bank shall have no liability to you if Bank is unable to complete a Card transaction for any reason beyond Bank's control. Except as otherwise expressly provided in this Agreement or as otherwise required by applicable law, Bank, Bank's affiliates, and the parties with whom Bank contracts in order to offer your Card Account and related services are neither responsible nor liable for any indirect, incidental, consequential, special, exemplary, or punitive damages arising out of or relating in any way to the use of your Card Account, any products or services purchased using Card, or this Agreement (as well as any related or prior agreement you may have had with Bank).

C. English Language Controls
Any translation of this Agreement is provided for your convenience. The meaning of the 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.

D. Card Account Customer Service
For Card Account assistance or additional information regarding your Card Account, please send an email to Omnimoney@alviere.com or contact Customer Service at 1-866-287-7054.

E. 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 service team or as required by applicable law.

F. Amendment and Cancellation
Except as otherwise required by applicable law, Bank may amend or change the terms and conditions of this Agreement at any time by posting the amended Agreement on the Mobile App, and any such amendment shall be effective upon such posting to the Mobile App. The Agreement is also available on the Mobile App. You will be notified of any amendment(s) in the manner provided by applicable law prior to the effective date of the amendment(s). However, if the amendment(s) is made for security purposes or your benefit, Bank may implement it without prior notice. When we change this Agreement, the then-current version of the Agreement governs your Card Account and supersedes all prior versions. Bank may cancel or suspend your Card Account or this Agreement at any time. You may cancel this Agreement by contacting Customer Service to close your Card Account. Your cancellation of this Agreement will not affect any of Bank's rights or your obligations arising under this Agreement prior to cancellation. IMPORTANT: IF YOU TERMINATE YOUR RELATIONSHIP WITH BANK OR WITHDRAW YOUR CONSENT TO RECEIVE ELECTRONIC COMMUNICATIONS ABOUT YOUR CARD ACCOUNT, THE CARD ACCOUNT WILL AUTOMATICALLY BE CLOSED AND YOU WILL NO LONGER BE ABLE TO USE THE CARD.

G. Confidentiality
Bank may disclose information to Program Manager and other third parties about your Card Account 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 Account for a third party (such as a merchant).

3. In order to comply with government agency, court order, or other legal or administrative reporting requirements.

4. If you give us your written permission.

5. To Bank's employees, auditors, affiliates, service providers, or attorneys as needed.

6. Otherwise as necessary to fulfill Bank's obligations under this Agreement or as detailed in Bank's Privacy Policy.

 

H. No Warranty Regarding Goods or Services as Applicable; Merchant Credits
Bank is not responsible for the quality, safety, legality, or any other aspect of any goods or services you purchase using your Card. If you are entitled to a refund for any reason for goods or services purchased with your Card, the return and refund will be handled by the merchant. If a merchant posts credits to your Card Account via the Card, the credit may not be immediately available since we have no control over when a merchant may send the credit transaction to us.

I. Survival
All provisions of this Agreement shall survive the termination of this Agreement or closure of your Card Account by either party for actions arising in connection with this Agreement or your Card Account.

J. Governing Law
You agree that, except to the extent inconsistent with or preempted by federal law and except as otherwise stated in this Agreement, the laws of the State of New York, without regard to principles of conflict of laws, will govern this Agreement and any claim or dispute that has arisen or may arise between you and Bank (or Program Manager), regardless of your location.

7. ARBITRATION

THIS AGREEMENT REQUIRES ALL DISPUTES BE RESOLVED BY WAY OF BINDING ARBITRATION. Except for disputes that qualify for small claims court, all disputes arising out of or related to this Agreement or any aspect of the relationship between you and Bank (or Program Manager), whether based in contract, tort, statute, fraud, misrepresentation or any other legal theory, will be resolved through final and binding arbitration before a neutral arbitrator instead of in a court by a judge or jury and you agree that Bank and you are each waiving the right to trial by a jury. You agree that any arbitration under this Agreement will take place on an individual basis; class arbitrations and class actions are not permitted, and you are agreeing to give up the ability to participate in a class action. The arbitration will be administered by the American Arbitration Association ("AAA") under its Consumer Arbitration Rules, as amended by this Agreement. The Consumer Arbitration Rules are available online at: https://www.adr.org/sites/default/files/Consumer%20Rules.pdf. The arbitrator will conduct hearings, if any, by teleconference or videoconference, rather than by personal appearances, unless the arbitrator determines upon request by you or by Bank that an in-person hearing is appropriate. Any in-person appearances will be held at a location which is reasonably convenient to both parties with due consideration of their ability to travel and other pertinent circumstances. If the parties are unable to agree on a location, such determination should be made by the AAA or by the arbitrator. The arbitrator's decision will follow the terms of this Agreement and will be final and binding. The arbitrator will have authority to award temporary, interim or permanent injunctive relief or relief providing for specific performance of this Agreement, but only to the extent necessary to provide relief warranted by the individual claim before the arbitrator. The award rendered by the arbitrator may be confirmed and enforced in any court having jurisdiction thereof. Notwithstanding any of the foregoing, nothing in this Agreement will preclude you from bringing issues to the attention of federal, state or local agencies and, if the law allows, they can seek relief against Bank for you. 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. IF YOU DO NOT AGREE TO THE TERMS OF THIS ARBITRATION PROVISION, DO NOT USE THE CARD ACCOUNT. CALL 1-866-287-7054 TO CLOSE THE CARD ACCOUNT.

Mobile Remote Deposit Capture Agreement

This Mobile Remote Deposit Capture Agreement (“Agreement”) governs your use of Mezu (NA), Inc. dba Alviere (“Alviere”) and Community Federal Savings Bank, Member FDIC (“Bank”) (both Alviere and Bank, “we”, “us” and “our”) Mobile Remote Deposit Capture Service (“Mobile Remote Deposit Service”). Alviere provides services in conjunction with Bank, which offers the Mobile Remote Deposit Service under this Agreement only in association with one or more Accounts maintained by you at Bank and for which you have signed up and been approved by Alviere for services.

This Agreement is in addition to other agreements between you and Alviere and you and Bank, including, but not limited to the applicable account disclosure agreement(s) and terms and conditions, and our rules and regulations. The definitions of many of the terms in this Agreement are set forth at the end of this Agreement.

Terms and Conditions

Mobile Remote Deposit Service. Subject to the terms, and conditions of this Agreement, we shall provide the Mobile Remote Deposit Service to you, which allows you to make deposits to your Accounts from your Mobile Device/Hardware by capturing or scanning images of permitted Items on your Mobile Device/Hardware and delivering the Images and information required to us or our designated processor (“Processor”) through our Mobile Remote Deposit Service. Accounts eligible for the Mobile Remote Deposit Service meet the following criteria: (1) account types that Alviere and Bank have determined may receive deposits through mobile remote deposit capture; (2) Accounts where you are an account owner; and (3) Accounts where you have signed up and been approved for the Alviere service.

The Mobile Device/Hardware must capture a clear image of the front and the back of each Item to be deposited. After capture of the Images and all other required data and information from each check, you will transmit one or more files (“File”) containing the Images and all other required data and information from or pertaining to all Items to us or our designated Processor via the Mobile Remote Deposit Service. Subject to compliance with the terms, and conditions of this Agreement, we will credit the Account(s) designated by you for the amount of the deposit(s) to which the File(s) pertains on the day of receipt of the File(s) and enter the Images of the Items into the collection process, in accordance with the terms of our then current account agreement applicable to the Account(s) into which the deposit is to be made. You acknowledge and agree that we may change the terms or terminate the Mobile Remote Deposit Service or any related features, products or services at any time without notice or liability to you or any third party, except as required by applicable law. You agree that we shall be the exclusive provider of the Mobile Remote Deposit Service to the Account(s) and that you will not use the same or similar services of any other party for the Account(s).

Hardware and Software. You understand and agree that, at your sole cost and expense, you are responsible for providing your own Mobile Device/Hardware that supports 256-bit encryption to help ensure secure access and functioning of the Mobile Remote Deposit Service. Please refer to the E-Sign Disclosure and Consent Notice or additional terms, including but not limited to hardware and software use, licensing, indemnification, limitation of liability. To the extent any of the terms and conditions in this Agreement conflict with any other agreements with regard to hardware and software, the terms and conditions in this Agreement shall prevail.

You are responsible for maintaining your device secure and restricted from access by anyone other than yourself to your Account, including the Mobile Remote Deposit Service. We are not responsible for, and you release us from any and all claims or damages resulting from, or related to, any virus or other problems that may be associated with using electronic mail, the Internet, or mobile communications. Neither Bank nor Alviere is responsible for, and you hereby release us from any and all claims or damages resulting from, or related to, defects in or malfunctions of your Mobile Device/Hardware or software, or failures of or interruptions in any Mobile Device/Hardware or Internet services. You agree to monitor your Mobile Device/Hardware and software for viruses using a reliable virus detection product in order to detect and remove viruses.

Items Deposited and Security Interest. You agree that you will only scan or take photos (or Images) and deposit a check(s) as that term is defined in Federal Reserve Board Regulation CC. You agree that the Image of the check that is transmitted to us shall be deemed an “item” within the meaning of Article 4 of the Uniform Commercial Code. You further agree that you will not remotely deposit any prohibited Item, which includes the following (“Prohibited Items”):

• Items previously or concurrently deposited by any means, including remote deposit capture, at Bank or at another financial institution or financial services provider;
• Items drawn, or otherwise issued, by you on any account of yours maintained at another financial institution unless you notify and receive permission from Alviere or Bank prior to submitting the deposit;
• Items payable jointly, unless deposited into an Account in the name of all payees;
• Items that have been altered or that you do or should know/suspect to be altered or fraudulent in any way, or otherwise not authorized by the owner of the account on which the Item is drawn;
• Items dated more than six months prior or that have a future date or Items that have exceeded the “Valid” period;
• Items where the written and numerical amounts do not match;
• Items not signed by the payee;
• Items drawn on financial institutions that are located outside of the United States;
• Items not paid in United States currency;
• Items payable to another person or entity;
• Items missing processing information (examples: missing or illegible routing numbers or account numbers);
• Items previously converted to a substitute check, or “image replacement documents” that purport to be substitute checks, as defined in Regulation CC.;
• Items that are remotely created (whether in paper form or electronically created), as defined in Regulation CC;
• Rebate checks
• Returned Items;
• U.S. savings bonds;
• U.S. postal money order;
• Convenience checks, including but not limited to those drawn against a line of credit;
• Non-American Express traveler's checks;
• Cash;
• Items that are illegible or contain MICR data that is not machine-readable;
• Duplicate Items.

If you deposit a Prohibited Item, you agree to indemnify and reimburse Bank and Alviere for, and hold Bank and Alviere harmless from and against any and all losses, costs and expenses (including reasonable attorney's fees) that Bank and Alviere may incur associated with any warranty, indemnity or other related claim. You grant us a security interest in all Accounts or other deposits (whether general or special) of yours at Bank, and in all funds in such Accounts or other deposits, to secure your obligations to Bank and Alviere under this Agreement. This security interest will survive termination of this Agreement.

Endorsement Procedures. You agree to restrictively endorse any Item transmitted through the Mobile Remote Deposit Service by adding “For Mobile Deposit” in the endorsement section, or by marking the checkbox as a mobile deposit in the endorsement section if provided on the back of the Check, and then sign your name as endorsee. You agree to follow all procedures and instructions for the use of this Mobile Remote Deposit Service as Bank may establish from time to time.

Imaging of Items and Transmission of Files. You shall (1) endorse each Item to be deposited in accordance with the Endorsement Procedures, (2) scan or take a photo of the front and back of each Item to be deposited and any other required data from each Item and (3) transmit the File containing the images of and all other required data and information from or pertaining to such Item to us or our designated Processor. We reserve the right to amend procedures, with or without prior notice to you. We may also provide you with, or require you to establish, a user code, a personal identification number (“PIN”) and/or passwords and other procedures (collectively, “Security Procedures”) to access the Remote Mobile Deposit Service. You agree to (1) comply with established procedures, (2) safeguard the confidentiality and security of the Security Procedures and all other information we provide to you in connection with the Mobile Remote Deposit Service and (3) immediately notify Alvierie or Bank if you have any reason to believe there may have been a breach of security or confidentiality. You understand and agree the Security Procedures are not designed for the detection of errors. Except as otherwise required by applicable law, neither Bank nor Alviere are obligated to detect errors by you or others, even if we take certain actions from time to time to do so.

You can send multiple Files or Items to us or our designated Processor throughout the day, not to exceed the number of Files or Items specified in Exhibit A or the total dollar value of the Files sent by you to us on any day or month specified in Exhibit A. If the total dollar value of the Files sent by you to us on any day or month exceeds the deposit limit, we may, at our option, refuse to accept the Files. You agree not to exceed the deposit limit without first contacting Alviere or Bank and gaining written permission to originate the File. To be eligible for processing on the day transmitted, Files must be received by us no later than the Cut-Off Time specified in Exhibit A and meet our technical requirements. Bank's and Alviere's records shall be evidence of and determinative of whether and when a File has been delivered and received. A File which meets our technical requirements but which is received after the Cut-Off Time will be deemed to be received on the Business Day following the Business Day on which the File is actually received by us.

We reserve the right to change the number of Files that may be transmitted, the dollar limits, the Cut-Off Time and our terms and conditions at any time and in our sole discretion. Except as otherwise required by applicable law, all changes shall be effective immediately. You may contact Alviere or Bank to verify the current number of Files that you may transmit in a day or month, the daily or monthly deposit limit, and the Cut-Off Time.

Maintenance and Destruction of Original Check. You shall stamp or write on the original Item “Processed” after you have deposited the Item in accordance with this Agreement. You must securely store all original Items for a minimum of 45 business days after they have been posted to your Account(s) (such period is the “Retention Period”). During the Retention Period, you shall take appropriate security measures to ensure that: (1) only authorized individuals or personnel shall have access to original Items, (2) the information contained on such Items shall not be disclosed, (3) such Items will not be duplicated or scanned more than one time; and (4) such Items will not be deposited or negotiated in any form. You shall destroy original Items upon the expiration of the Retention Period applicable to such Items. You indemnify Bank and Alviere for, and hold Bank and Alviere harmless from and against, any and all claims, demands, actions, causes of action, losses and damages, of whatever nature or kind, caused directly or indirectly by, arising out of, related to, in connection with or resulting wholly or partially from, the destruction of original Items by you. You will promptly (but in all events within 3 Business Days) provide any retained Item to us as requested to aid in the clearing and collection process or to resolve claims by third parties with respect to any Item.

Image and MICR Quality. Each File transmitted by you to us shall contain images of the front and the back of the Item(s) and deposited through your Mobile Device/Hardware by you. Each Image of each Item shall be of such quality that the following information can clearly be read and understood by sight review of such Image:

• the amount of the Item;
• the drawer of the Item;
• the payee of the Item;
• the signature of the drawer of the Item;
• the date of the Item;
• the Item number;
• the information identifying the drawer and the paying Financial Institution that is preprinted on the Item;
• the full MICR line, including the ABA routing number, account number and if encoded the check number;
• the endorsement of the check according to the Endorsement Procedures section outlined in this Agreement.

Receipt of File. You agree that you shall be solely liable for, and neither Bank nor Alviere shall have any liability to you for any File or the Images or other information contained therein that are not received by us or for any File or the Images or other information contained therein that are intercepted or altered by an unauthorized third party. You agree that neither Bank nor Alviere has an obligation to accept a File for remote deposit and, therefore, may reject any File or the Images or other information submitted by you. Except as otherwise required by applicable law, we have no obligation to notify you of the rejection of a File or the Images or other information contained therein, and neither Bank nor Alviere shall have any liability to you for the rejection of a File or the Images or other information contained therein or for the failure to notify you of such rejection. Upon receipt of a File submitted by you, Bank and/or Alviere may examine such File and the Images and other information contained therein to ensure that you have complied with this Agreement. If Bank or Alviere determine you have not complied with this Agreement or if errors exist in the Images or other information contained in the File, Bank or Alviere may either reject the File or elect to correct the error and accept and process the corrected File. As a form of correction, your Account may be credited for the full amount of the deposit and we may make any necessary adjustments to the Account to correct the error. If after examination of a File and the Images and other information contained therein, we determine that you have complied with this Agreement and processed and transmitted the File in accordance with this Agreement, the File is balanced and the Images meet the requirements of this Agreement, then we shall accept the File for deposit to your Account. Upon acceptance of the File, we shall electronically notify you of receipt and acceptance of the accepted File for deposit. Notwithstanding the fact that we have accepted a File for deposit, any credit made to your Account shall be, and you shall remain liable to us for any errors, inaccuracies, breach of warranties and any other loss sustained by, or claim made against, Bank and/or Alviere.

Credit and Availability of Funds. Upon acceptance of the File, we shall credit your Account when the Clearance Period is met for the total amount of the corrected File or the accepted File, as applicable. As used herein, “Credit” means that the credit is made to your Account subject to final payment of the Items and subject to the terms of the Agreement. For the purpose of determining availability of funds, we may hold funds for the period of time permitted by applicable law. In general, if an Image of an Item you transmit through the Mobile Remote Deposit Service is received and accepted before the Cut-Off Time on a Business Day we are open, we consider that day to be the day of your deposit. Otherwise, we consider the deposit was made on the next Business Day we are open. Funds deposited using the Mobile Remote Deposit Service will generally be available within four (4) Business Days after the Business Day of your deposit (the “Clearance Period”). We reserve the right to further delay availability of Items submitted through the Mobile Remote Deposit Service at our discretion.

Laws, Rules and Regulations. You agree to comply with all existing and future operating procedures used by Alviere or Bank for processing of transactions. You further agree to comply with, and be bound by, all applicable state or federal laws, rules, regulations, orders, guidelines, operating circulars and pronouncements, affecting checks and drafts, including, but not limited to, all rules and procedural guidelines established by the Board of Governors of the Federal Reserve and the Electronic Check Clearing House Organization (“ECCHO”) and any other clearinghouse or other organization in which we are a member or to which rules we have agreed to be bound. The Rules are incorporated herein by reference. These procedures, rules, and regulations (collectively the “Rules”) and laws are incorporated herein by reference. In the event of conflict between the terms of this Agreement and the Rules, the Rules will control.

Collection of Items. We, in our sole discretion, shall determine the manner in which Images shall be presented for payment to the drawee financial institution. We, in our sole discretion, shall select the clearing agents used to collect and present the Images, and our selection of the clearing agents shall be considered to have been designated by us. Neither Bank nor Alviere shall be liable for the negligence of any clearing agent. Collection of Items is also subject to the Rules and other applicable terms and agreements between you and Alviere and/or Bank, including but not limited to the terms of the deposit and/or cardholder agreement of Bank applicable to your Account.

Representation and Warranties. You represent, warrant and covenant the following to Alviere and Bank:

a) Items Deposited. You shall only deposit Items that are authorized by this Agreement, and any other agreement(s) applicable to your Account;

b) Quality. Each Image transmitted by you to us contains an accurate representation of the front and the back of each Item and complies with the requirements of this Agreement;

c) Accuracy of Information. All data and other information submitted by you to us, including, but not limited, to data contained in the MICR line of each Item is complete and accurate and complies with the requirements of this Agreement;

d) No Duplicates. You will not: (i) create duplicate Images of the Items, (ii) transmit a duplicate Image or File to us, or (iii) deposit or otherwise negotiate the original of any Item of which an Image was created. You further warrant that no subsequent transferee, including but not limited to Bank, a collecting or returning financial institution, drawer, drawee, payee or endorser, will be asked to pay the original Item from which the Image(s) was created or a duplication (whether paper or electronic, including ACH entries) of the Item(s);

e) No Loss. No subsequent transferees of the Item(s), including but not limited to Bank, a collecting or returning financial institution, drawer, drawee, payee or endorser, shall sustain a loss as the result of the fact that the Image was presented for payment or returned instead of the original Item;

 

Returned Items. If Images of Items deposited by you are dishonored or otherwise returned unpaid by the drawee financial institution, or are returned by a clearing agent for any reason, including, but not limited, to issues relating to the quality of the Image, you understand and agree that, since you either maintain the original Item or have destroyed the original Item in accordance with this Agreement, the original Item will not be returned, and we may charge back an Image of the Item to your Account. You understand and agree that the Image may be in the form of an electronic or paper reproduction of the original Item or a substitute check. Unless otherwise instructed by us, you agree not to deposit the original Item if an Image or other debit as previously described is charged back to you.

Fees and Charges. You agree to pay us the normal deposit account service charges established from time to time by Alviere or Bank, and all such other fees and charges as we may impose and, when required by law, disclosed in other applicable agreements governing your Account. You are also responsible for the costs of any communication lines and any data processing charges payable to third parties.

Amendments. We may amend the terms of this Agreement at any time, in our sole discretion, by giving notice to you. If required by this Agreement or by applicable law, notice will be given for the applicable required number of days in advance of each such amendment. Your continued use of the Mobile Remote Deposit Service shall constitute your agreement to such amendments. No amendments requested by you shall be effective unless received, and agreed to in writing by us.

Confirmation: Account Reconciliation. In addition to confirmation notifications within the mobile application at the initial time of a mobile deposit and upon final processing or rejection of the Item, we will provide notice of receipt of a deposit to your Account on the periodic statement, if one is provided, or the transaction detail, which will be available to you on your Account's mobile application. You are responsible for detecting and reporting to us any discrepancy between your records and the records we provide to you. Except as otherwise required by applicable law, if you do not detect and notify us of such a discrepancy within 30 days of your receipt of any terminal printout, electronically-provided or mailed report or periodic statement (each a “Report”), whichever is received first, then such transactions shall be considered correct, and you shall be precluded from asserting such error or discrepancy against us.

Financial Institution's Duties. Alviere's and Bank's duties and responsibilities are limited to those described in this Agreement, the deposit and/or cardholder agreement applicable to your Account and any other agreements governing your Account. We will use commercially reasonable care in performing our responsibilities under this Agreement.

Other Responsibilities. You agree to monitor your account balances and charges, to promptly notify Alviere if any report conflicts with your records, and to refrain from acting on information you have reason to believe is erroneous. Except as otherwise required by applicable law, our sole liability to you shall be limited to the correction of any errors made. Neither Alviere nor Bank shall be responsible for suspension of performance of all or any of our obligations, responsibilities or covenants hereunder, whether expressed or implied, if at any time, or from time to time, compliance therewith is prevented or hindered by, or are in conflict with, any federal or state law, regulation or rule, the order of any court of competent jurisdiction, any act of God or of the public enemy, war, epidemic, strike, or work stoppages of the U.S. Postal Service and commercial carrier(s), or electric power disruption or shortage, telecommunications failure or computer failures; acts, omissions or errors of any carrier and/or agent operating between you and Alviere or Bank or Bank and any Federal Reserve Bank or other agency utilized to exercise transfers or any recipients of transferred funds; any incorrect, unauthorized or fraudulent use or other fraud by any person other than our employees; or, without limiting the generality of the foregoing, any other cause or circumstance beyond our control or other conditions or circumstances not wholly controlled by us, which would prohibit, retard or otherwise affect our complete or partial performance under this Agreement.

Internet and Mobile Communications Disclaimer. Neither Alviere nor Bank control the flow of any documents, files, data or other information via the Internet or mobile communication networks, whether to or from our network, other portions of the Internet, mobile communication networks, or otherwise. Such flow depends in large part on the performance of Internet and mobile communication services provided or controlled by third parties. Actions or inactions of such third parties can impair or disrupt your connections to the Internet or mobile communication networks (or portions thereof). We cannot guarantee that such events will not occur. Accordingly, Alviere and Bank disclaim any and all liability arising out of, resulting from or related to, such events, and, except as otherwise required by applicable law, in no event shall Alviere or Bank be liable for any damages of any kind (whether in contract, in tort or otherwise) that are attributable or in any way related to the Internet or mobile communication infrastructure or your or our ability or inability to connect to the Internet or mobile communication networks.

Indemnification and Liability; Third Party Claims. You agree to indemnify Alviere and Bank and each of its Processors and their respective officers, directors, employees, members, partners, agents, insurers and attorneys (each and “Indemnified Party” and, collectively, the “Indemnified Parties”) for, and hold each of the Indemnified Parties harmless from and against, all actions, causes of action, claims, damages, liabilities and expenses (including reasonable attorneys' fees) of any nature or kind (including those by third parties) arising out of, or related to, this Agreement, including all actions, causes of action, claims, damages, liabilities and expenses arising out of, related to or resulting from your (1) failure to report required changes; (2) transmission of incorrect data to us; (3) failure to maintain compliance with the Rules, (4) our action or inaction in accordance with, or in reliance upon, your instructions or information received from any person authorized to act on your behalf; (5) your breach of any of your representations, warranties, covenants or other agreements or responsibilities under this Agreement; and/or (6) your breach or violation of any Rules; provided, however, you are not obligated to indemnify us for any damages solely and proximately caused by Alviere's or Bank's gross negligence or willful misconduct.

Limit of Liability. ALVIERE AND BANK ARE ONLY RESPONSIBLE FOR PERFORMING THE SERVICE AS EXPRESSLY STATED IN THIS AGREEMENT. THERE IS NO GUARANTEE THAT ACCESS TO THE MOBILE REMOTE DEPOSIT SERVICE WILL BE AVAILABLE AT ALL TIMES AND NEITHER ALVIERE NOR BANK SHALL BE LIABLE IF YOU ARE UNABLE TO ACCESS THE MOBILE REMOTE DEPOSIT SERVICE. THE MOBILE REMOTE DEPOSIT SERVICE IS PROVIDED “AS IS” AND, EXCEPT AS PROHIBITED BY LAW, ALVIERE AND BANK AND OUR THIRD PARTY SERVICE PROVIDERS DISCLAIM ANY EXPRESS OR IMPLIED WARRANTIES CONCERNING THE SERVICE, APP, EQUIPMENT OR SOFTWARE, INCLUDING, BUT NOT LIMITED TO ANY WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE OR NONINFRINGEMENT OF ANY PARTIES' PROPRIETARY RIGHTS. IN NO CASE SHALL ANY OF ALVIERE'S OR BANK'S THIRD PARTY SERVICE PROVIDERS BE LIABLE FOR ANY LOSS OF DATA, PROFIT, GOODWILL, OR SPECIAL, PUNITIVE, INDIRECT, EXEMPLARY OR CONSEQUENTIAL DAMAGES OF ANY KIND OR NATURE SUFFERED BY YOU ARISING OUT OF OR RELATED TO THIS ADDENDUM, THE APP, THE SOFTWARE, THE EQUIPMENT OR THE SERVICE WHETHER OR NOT SUCH CLAIM FOR DAMAGES IS BASED ON TORT OR CONTRACT OR WHETHER ALVIERE OR BANK HAD BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES OR SHOULD HAVE KNOWN OF THE LIKELIHOOD OF SUCH DAMAGES, EXCEPT AS MAY BE REQUIRED BY APPLICABLE LAW. IN STATES THAT DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR INDIRECT SPECIAL OR INCIDENTAL OR CONSEQUENTIAL DAMAGES, ALVIERE'S AND BANK'S AND OUR THIRD PARTY SERVICE PROVIDERS' LIABILITY IS LIMITED TO THE EXTENT PERMITTED BY APPLICABLE LAW.

Additional Information. Alviere or Bank may at any time request information from you to authenticate your identity, confirm your address, confirm financial information, or for any other purpose related to the Mobile Remote Deposit Service, including but not limited to whether to adjust of any limits set by this Agreement, or to determine whether to suspend or terminate the Mobile Remote Deposit Service. You agree to provide the requested information immediately upon request by us, in the form required by us. You authorize us to investigate or reinvestigate at any time any information provided by you or anyone on your behalf in connection with this Agreement or the Mobile Remote Deposit Service. You also authorize us to request reports from credit bureaus and reporting agencies to the extent permitted by applicable law. You agree we may suspend or terminate your Mobile Remote Deposit Service at any time in our sole discretion.

Assignment. You may not assign any right or interest under this Agreement without the prior written consent of Bank or Alviere, and any assignment made without such consent shall be null and void. Bank or Alviere may assign this Agreement or any part of it to any of our affiliates or to a successor of Alviere's or Bank's by merger or acquisition.

Termination. This Agreement shall be in full force and effect from the effective date until such time as this Agreement is terminated by either party as provided below:

a) this Agreement may be terminated at any time by you following thirty (30) days prior notice unless a shorter prior notice is agreed upon by both parties;

b) Bank or Alviere may terminate this Agreement at any time in their sole discretion, which shall be immediately effective, unless they agree in writing to extend the termination date to a later, specified date.

 

Such termination will not affect any of your obligations, representations and warranties under this Agreement.

Governing Law. This Agreement shall be governed by, and construed in accordance with, the laws of the State of New York, without reference to its conflict of laws, and applicable federal law.

Electronic Communications. All electronic communications that meet these requirements will be deemed to be valid and authentic and you intend and agree that those electronic communications will be given the same legal effect as written and signed paper communications. You agree that electronic copies of communications are valid and you will not contest the validity of the originals or copies, absent proof of tampering or altered data. You may request a paper copy of any of our then current agreement(s) with you related to the Mobile Remote Deposit Service that are applicable to you, and we may send them to you via standard mail or provide them to you electronically. Our contact information is provided in this Agreement.

Notice. Any notice required by this Agreement shall be given by first class U.S. Mail, postage prepaid, by receipted hand delivery, electronically or by any other means agreed upon by both parties at the address set forth below and, if to you, at the most recent address or phone number shown for you in our records. If any notice instructions are given, the provisions of such shall govern the method and location for giving notice. Any notice mailed shall be presumed received on the third Business Day after mailing thereof.

Alviere:

Alviere
ATTN: Mobile Remote Deposit Service
1040 S Gaylord St.
Denver, CO 80209

Or by phone to: 1-866-649-0669

Or by email to: OmniMoney@alviere.com

Please note that any message sent using this feature is transmitted via normal e-mail and is not encrypted. So, please do not include any confidential information, such as account numbers or details, tax ID numbers, or any other information you want kept confidential. We will not respond to account information related questions sent via Internet e-mail.

You agree that we may take a reasonable time to act on any notice provided to us, in accordance with applicable law.

Definitions

These terms have the following meanings when used in this Agreement:

“Business Day” shall mean every day excluding Saturdays, Sundays and federal holidays.

“You" and "your" means: a person who has opened a deposit account with Bank and has signed up for and been approved for the Alviere service, who will use the Mobile Remote Deposit Service for personal use.

"Account" means your account with Bank to which you are authorized to make a deposit using Mobile Device/Hardware, and for which you have signed up and been approved for the Alviere service.

“Cut-Off Time” means the time by which the check or Item meeting our requirements for Mobile Remote Deposit Service will be processed on the same business day. Checks or Items received after the Cut-Off Time will be processed the next Business Day.

"Image" means the electronic image of the front and back of an Item, in addition to other required information, as specified by us, in the format we specify.

"Image Replacement Document" or "IRD" means a substitute check, as defined in Check 21.

"Item" is an original: check, cashier's check, official check, U.S. Treasury check, or American Express traveler's check drawn on a financial institution within the United States and payable in U.S. currency that is payable to you.

"Mobile Device/Hardware" means any device acceptable to us that provides for the remote capture of Images from Items and for transmission through the clearing process.

“Regulation CC” means the federal banking regulation entitled Regulation CC.

“Service” means the mobile remote check deposit processing service provided to You under this Agreement.

EXHIBIT A

 

LIMITS

 

Consumer Deposit Limits
- Daily: $1,000
- Monthly: $10,000

 

Consumer Deposit File Limits (number of items deposited)
- Daily: not applicable
- Monthly: not applicable

 

CUT-OFF TIME

 

The Cut-Off Time for our Mobile Remote Deposit Service is 12:00 PM Eastern Time on Business Days.

 

 

 

E-Sign Disclosure and Consent Notice

 

This E-Sign Disclosure and Consent Notice (this “Notice”) describes how Mezu (NA), Inc. dba Alviere and Community Federal Savings Bank (collectively, “Alviere”, “we,” “us,” and “our”) delivers Communications to you electronically. This Notice applies to all Communications relating to all Services offered to you by Community Federal Savings Bank and provided by Alviere as agent and service provider. We may amend this notice at any time by posting a revised version and notifying you of the update as required by Applicable Law.

 

Your Consent

 

By accepting our terms and conditions and/or by using our Services, you consent to use electronic signatures and to electronically receive all records, notices, statements, communications, and other items relating to (a) any Terms and Conditions, including but not limited to, the Financial Services Agreement, the Privacy Notice, and this E-Sign Disclosure and Consent Notice agreed to by you, (b) any period statements associated with your Account, (c) any disclosures or receipts required by Applicable Law or (c) in connection with your relationship with us (collectively, “Communications”. Further examples of Communications are set forth in the next section titled “Electronic Delivery of Communications”) that we may otherwise be required to send or provide you in paper form (e.g., by mail). You also agree that we do not need to provide you with additional paper (non-electronic) copies of the disclosures, agreements, change notices, terms and conditions and any other documents, unless specifically requested. By accepting and agreeing to this Consent electronically, you represent that: (1) you have read and understand this consent to use electronic signatures and to receive Communications electronically; (2) you satisfy the minimum hardware and software requirements specified below; and (3) your consent will remain in effect until you withdraw your consent as specified below. Your consent to receive notices and communications in electronic form does not mean we will only communicate with you electronically. We reserve the right to use all lawful methods of communication and provide legal notices and other communications and documents in paper form from time to time when legally required to do so or when we in our sole discretion elect to do so.

 

Electronic Delivery of Communications

 

You agree and consent to receive electronic Communications that we provide in connection with your Account and your use of our services. Such Communications may include, but may not be limited to:

• Terms and Conditions, such as agreements and policies that you agree to when requesting your account and periodically. Examples of such agreements and policies include, but are not limited to, the Financial Services Agreement, the Privacy Notice, this E-Sign Disclosure and Consent Notice, including any updates to these agreements or policies;
• Periodic statements associated with your account as required by Applicable Law;
• Transaction disclosures and receipts as required by Applicable Law;
• Periodic disclosures and notices as required by Applicable Law; and
• Any other information we may need to provide you in relation to your Account or Transactions.

We will provide these Communications to you by emailing them to you at the email address you have provided us.

 

Hardware and software requirements

 

In order to access and retain electronic Communications, you may need one or a combination of the following computer or mobile device hardware and software components:

• A computer or smart mobile device with Internet or Data Services connection;
• A current web browser that includes 128-bit encryption with cookies enabled;
• Adobe Acrobat Reader version 8.0 and above to open documents in .pdf format;
• Microsoft Excel or a similar program to open files in csv, xlsx or similar format;
• A valid and accessible email address that you have provided us or will provide us; and
• Sufficient storage space to save past Communications or an installed printer to print them.

Alviere reserves the right to change the requirements set forth in this Notice at any time. We will notify you if the changes to the hardware or software needed to receive electronic Communications from us create a material risk in your ability to access subsequent records subject to your consent and you have the right to withdraw your consent as indicated in the “How to withdraw your consent section below. By giving your consent you are confirming that you have access to the necessary equipment and are able to receive, open, and print or download a copy of any Communications for your records. You may print or save a copy of these Communications for your records as they may not be accessible online at a later date. Please note that if you use a spam filter that blocks or re-routes emails from senders not listed in your email address book, you must add us to your email address book so that you will be able to properly receive the Communications we send to you via e-mail.

 

How to withdraw your consent

 

You may withdraw your consent to receive Communications electronically by sending us written notice titled “Withdrawing E-Sign Consent” at 101 Avenue of the Americas, 9th Floor, New York, NY 10013, or by contacting our support team at support@alviere.com. If you fail to provide consent or if you withdraw your consent to receive Communications electronically, we reserve the right to either: (i) deny your request of an Account; or (ii) close your Account and return your remaining Account balance as set forth in the Bank Services Agreement and / or the Cardholder Agreement (in which case you will no longer be able to use your Account and / or Card, except as expressly provided in the Bank Services Agreement and the Cardholder Agreement respectively). Any withdrawal of your consent to receive Communications electronically will be effective only after we have a reasonable period of time to process your withdrawal. Please note that your withdrawal of consent to receive Communications electronically will not apply to Communications electronically provided by us to you before the withdrawal of your consent becomes effective.

 

Requesting paper copies of electronic Communications

 

If, after you consent to receive Communications electronically, you would like a paper copy of a certain Communication we previously sent you, you may request a copy within 180 days of the date we provided the Communication to you by contacting us as described above. If available, we will send your paper copy to you by U.S. mail. In order for us to send you paper copies, you must have your current street address linked to your Account. If you request paper copies, you understand and agree that we reserve the right to charge you fee for each paper copy communication. Certain Communications, such as a Transaction disclosure that may have been provided to you through a mobile application on a smart mobile device or a web portal prior to a Transaction, may not be available in paper form.

 

Updating your contact information

 

It is your responsibility to keep your hardware, software and/or primary email address and up to date in order to access Communications that we send you electronically. You understand and agree that if Alviere sends you electronic communications, but you do not receive them because your information on file is incorrect, out of date, blocked by your service provider, or you are otherwise unable to receive electronic Communications, Alviere will be deemed to have provided the Communication to you and will assume no liability for non-receipt of Communications. If your email address becomes invalid such that electronic Communications sent to you by us are returned, we may may deem your Account to be inactive, and you may not be able to initiate a Transaction using your Account until we receive a valid, working primary email address from you. You may update your email address to receive Communications electronically by sending us written notice titled “Updating email address” at 101 Avenue of the Americas, 9th Floor, New York, NY 10013, or by contacting our support team at support@alviere.com.

 

Definitions

 

“Account” means the account provided to you in accordance with the Bank Services Agreement and/or the Cardholder Agreement provided to you together with this Notice. “Applicable Law” means any Federal, State, Municipal or other local law, rule or regulation that applies to your Account or Transactions. “Communications” means electronic communications set to you by us in accordance with Applicable Law and any Terms and Conditions, including any agreements, between you and us. “Services” means any services provided to you by Community Federal Savings Bank via Alviere, its agent, including without limitation, services relating to the Account and any Transactions, all as described in the Bank Services Agreement and / or the Cardholder Agreement. “Transaction” means any financial transaction initiated by you through your Account.

This Policy was last modified on: January 25, 2021

 

 

CFSB Privacy Policy

 

FACTS	WHAT DOES COMMUNITY FEDERAL SAVINGS 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 credit history • Credit scores and employment information 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; the reasons Community Federal Savings Bank chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information	Does Community Federal Savings 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 to 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 our affiliates to market to you	NO	We Don't Share
For our non-affiliates to market to you	NO	We Don't Share

Questions?

Who is providing this notice?

Call 718-847-6333 or go to www.cfsb.com

 

Who We Are

Who is providing this notice?

Community Federal Savings Bank (CFSB)

 

Who We Do

How does Community Federal Savings Bank protect my personal information?	To protect your personal information from unauthorized access and use, we use security measure that comply with federal law. These measures include computer safeguards and secured files and buildings.
How does Community Federal Savings Bank collect my personal information?	We collect your personal information, for example, when you ▪ open an account, apply for a loan, or give us your income information ▪ provide employment information or show your driver's license ▪ give us your contact information. We also collect your personal information from others, such as credit bureaus, affiliates or other companies
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 ▪ affiliates from using your information to market to you ▪ sharing for nonaffiliates to market to you State laws and individual companies may give you additional rights to limit sharing. See below for more information on you rights under state law.

 

Definitions

Affiliates	Companies related by common ownership or control. They can be financial and nonfinancial companies. Community Federal Savings Bank has no affiliates.
Non-Affiliates	Companies not related by common ownership or control. They can be financial and nonfinancial companies — Community Federal Savings Bank does not share with nonaffiliates so they can market to you.
Joint Marketing	A formal agreement between nonaffiliated financial companies that together market financial products or services to you. — Our joint marketing partners include loan finance companies and credit card companies.

 

Other Important Information

For Nevada Residents Only	Nevada Revised Statutes Chapter 603A governs the collection of personally identifiable information for consumers. CFSB is a financial institution subject to the Gramm-Leach Bliley Act therefore the Nevada privacy law does not apply..
California	California. Under California law, we will not share information we collect about you with companies outside of CFSB, unless the law allows. We may share information with your consent, to service your accounts, or to provide rewards or benefits you are entitled to. We will limit sharing among our companies to the extent required by California law.
Vermont	Under Vermont law, we will not share information we collect about Vermont residents with companies outside of our corporate family, unless the law allows. We may share information with your consent, to service your accounts or under joint marketing agreements with other financial institutions with which we have joint marketing agreements. We will not share information about your creditworthiness within our corporate family except with your consent, but we may share information about our transactions or experiences with you within our corporate family without your consent.

Mezu (NA), Inc. dba Alviere U.S. Privacy Policy (“Policy”)

 

Along with our affiliates and subsidiaries, we take your privacy seriously. This Policy describes the types of personal information we collect from you, how we use your information, how we share your information, and the choices you have regarding our use of your information. In this Policy, we also describe measures we take to protect the security of your information and how you can contact us about our privacy practices.

 

If you are the holder of an account, debit card account or prepaid card account (together, “Account”) offered by Mezu (NA) Inc. dba Alviere (“Alviere”, “Company,” “we” or “us”) as a licensed money transmitter or as agent and service provider of a U.S. federally or state chartered financial institution (the “Bank”) via a non-affiliated third party brand name (“Brand Assignor” or DISH Purchasing Corporation (including any of its Affiliates participating in this offering, together “DISH”), the Brand Assignor for OmniMoney by Boost Mobile), this Policy applies to you. The principal privacy policy, however, may belong to the issuing Bank of your Account where your funds are held. If the privacy policy of the Bank applies, it has been provided to you or you may access it here. This privacy notice is distributed annually to each Account holder customer as required by applicable law; they are also available online. Alviere is not responsible for the privacy policy of the Bank or DISH so you should review those policies carefully. For purposes of this Policy, “Affiliate” means a person or entity directly or indirectly controlling, controlled by or under common control with another person or entity.

 

When visiting or using our website (“Website”) or using the OmniMoney by Boost Mobile mobile application (the “App”) or website to access your Account or use the services of your Account, communicating with us electronically, including through social media or through ad content, this Policy applies to you and explains how information that directly identifies you or contains personal identifiers including, but not limited to, name, social security number, date of birth, postal and email address, and phone number (“Personal Information”) is collected, stored, used, shared and disclosed by Alviere in connection with the financial services provided to you (the “Services”) through the App. The Policy also may describe some of our practices regarding information we collect or obtain that does not directly identify you or your identity. By downloading, using, or accessing our Website or the App, you indicate that you have read, understood and agree to our collection, storage, use, sharing and disclosure of your Personal Information as described in this Policy and our other Terms and Conditions. When it comes to how your Personal Information is collected, stored, used, shared, and disclosed you have certain rights and choices. If you do not agree with our Policy, you should notify us and discontinue your use of our Website and the App.

 

Please note that if you apply for or use our Services or those services of the Bank, the Gramm-Leach-Bliley Act and similar state financial privacy laws govern your financial privacy rights.

 

If you are a California resident, you may have privacy rights in addition to the general privacy rights contained in this Policy. Please scroll down or follow here for more information on California resident-specific privacy rights, our California Privacy Statement for California consumers.

 

 

1. Information We Collect, and How We Collect It

 

You may choose to limit the Personal Information you provide when you use our Services. However, please understand that in order to provide you with the best possible Service experience and in order to comply with certain legal requirements that apply to us, we must directly collect certain information, including, but not limited to Personal Information, when you use our Website or the App, typically in connection with a potential application submission for Services and when you complete and submit online forms or fields available on our Website or the App. When you visit our Website or use the App, we may also collect anonymous information that does not directly identify you. This collection includes information that you provide in connection with the App or our Website, information we may receive about you from third party data suppliers, and information that is collected automatically through the use of cookies and other digital tracking technologies. Such information described herein may be collected by Alviere from third parties or through Software Development Kits (SDK's) owned by Alviere that are installed in the Apps of the Brand Assignors, including OmniMoney by Boost Mobile.

The categories of information we collect can include:

 

 

A. Information That You Provide Directly

 

Registration Information. We collect Personal Information that you provide when you register for an Account through the App or at any other point during your relationship with us, to verify and protect your identity and to verify your Financial Information (as defined below) and the privacy of your financial transactions. This information may include your full name, email, mobile phone number, date of birth, physical address, social security number and a government issued photo ID (“Registration Information”). We will not sell, share or trade any of your Registration Information or any other Personal Information or Financial Information collected by us, for any purpose whatsoever, except as required by applicable law or as required for the normal operation of the App or our Website and to manage and mitigate risk to protect you and us. Alviere may, however, share your Registration Information or Financial Information it collects with the Bank and DISH except as prohibited by applicable law. When you are no longer our customer, we may continue to share your information as described in this notice. However, you can contact us at any time to limit or opt-out of our sharing. See Notice of Opt-in/Opt-out Rights section below.

 

 

 

 

B. Financial Information.

 

In order to provide you the Services, we collect information about your external financial accounts that you choose to enable with the App, which may include debit card accounts or bank accounts (“External Financial Accounts”). This information may include, but not be limited to, financial institution names, account names, non-account number account identifiers, account balance, transactional information and debit or credit card information. Information about your External Financial Accounts, as described above, and information about your Account and Account transactions make up your Financial Information (“Financial Information”). We may share your Financial Information with third parties except as prohibited under applicable law, including the Bank and DISH. However, with regard of our sharing of Financial Information with DISH, you can contact us at any time to limit or opt-out of our sharing. See Notice of Opt-in/Opt-out Rights section below.

 

 

 

C. Information That You Permit Us To Collect

 

Location Information. In order to enable and provide the basic services of the App or Website, we may need to obtain your location through GPS, WiFi, or wireless network triangulation. We maintain location information as long as reasonably necessary to enable the basic service of the App and to protect you and us from any risk. We will delete this data in accordance with applicable law. Please see “Data Retention” below to learn more.
We will not sell, trade, share nor provide access to any of your Location Information, for any purpose whatsoever, except as required by applicable law or to manage and mitigate risk to protect you and us.

If you would like to opt-out of the collection of your location data, you can do so by adjusting the settings through your device to limit the App's access to your location data, however, this may affect your use of certain features and limit the functionality available through the App. Please see “Control Over Your Personal Information” below to learn more.

 

 

 

D. Information from Third Party Partners (Other Service Providers)

 

We also collect and receive information about you from third parties directly related to the Services, such as companies providing identity verification, fraud prevention and similar services, and combine that with information we collect through the App. This information may include information from DISH or from financial institutions to verify your External Financial Account, to verify availability of funds in your External Financial Account, or information related to your Account or the financial transaction you request or initiate in connection with the App. We may also collect information about you from public records or that is otherwise publicly available. The data we receive from these third-party partner services is dependent upon that third party's policies and your privacy settings for those third-party partner services.

 

We use Plaid Technologies (“Plaid”) to gather certain information from financial institutions for identity verification purposes, as well as to manage and mitigate risk to protect you and us and to comply with legal requirements that apply to your use of the App. By using our Service, you grant us and Plaid the right, power, and authority to act on your behalf to collect and verify your Personal Information and Financial Information from the relevant financial institution. You agree to your Personal Information and Financial Information being transferred, stored, and processed by Plaid in accordance with its Privacy Policy located here.

 

 

 

E. Information That Is Automatically Collected (Cookies and Other Tracking Technologies)

 

Like most websites and online services, we automatically collect certain types of usage information when you visit our Website, use the App, read our emails, or otherwise engage with us. We typically collect this information through a variety of tracking technologies, including cookies, web beacons, Flash cookies (locally stored objects), embedded scripts, location-identifying technologies, and similar technology (collectively, “Tracking Technologies”). Information that is automatically collected through Tracking Technologies as covered in this section does not directly identify you. These Tracking Technologies only collect anonymized information about how you use the App or Website (e.g., the pages you view, the links you click, and other actions you take on the App), information about your browser and online usage patterns (e.g., IP address, browser type, browser language, referring / exit pages and URLs, pages viewed, whether you opened an email or clicked links), and information about the device(s) you use to access the App or Website (e.g., mobile device identifier, mobile carrier, device type, model and manufacturer, mobile device operating system brand and model, and depending on your mobile device settings, your geographical location data (which could include GPS coordinates (e.g. latitude and/or longitude) or similar information regarding the location of your mobile device), or we may be able to approximate a device's location by analyzing other information, like an IP address. We may also collect analytics data, or use third party analytics tools, to help us measure traffic and usage trends for the App. Although we do our best to honor the privacy preferences of our visitors, we are not able to respond to Do Not Track signals from your browser at this time.

 

We use or may use the data collected through Tracking Technologies to: (a) recognize and/or contact you across multiple devices; (b) provide and monitor the effectiveness of our Website; (c) monitor aggregate metrics such as total number of visitors, traffic, usage, and demographic patterns on our Website; (d) diagnose or fix technology problems; (e) manage and mitigate risk to protect you and us; (f) ensure your security and privacy when visiting our Website or the App; (g) evaluate our Website and App's advertising and promotional effectiveness; and, (h) otherwise to plan for and enhance our Website. We may use both our own and our third-party partner's cookies to support all of the above Tracking Technology activities.

 

If you would prefer not to accept cookies when visiting our Website, most browsers will allow you to: (i) change your browser settings to notify you when you receive a cookie, which lets you choose whether or not to accept it; (ii) disable existing cookies; or (iii) set your browser to automatically reject cookies. Please note that doing so may negatively impact your experience using the Website. Depending on your mobile device and operating system, you may not be able to delete or block all cookies. You may also set your email options to prevent the automatic downloading of images that may contain technologies that would allow us to know whether you have accessed the email we sent to you and performed certain functions with it. Deleting cookies does not delete Local Storage Objects (LSOs). If you choose to delete LSOs from our sites, then you may not be able to access and use all or part of the sites or benefit from the information and services offered. While you may disable the usage of cookies through your browser settings, we do not change our practices in response to a Do Not Track signal in the HTTP header from your browser or the App. We track your activities if you click on advertisements for Alviere services on third party platforms such as search engines and social networks and may use analytics to track what you do in response to those advertisements. We may also use web beacons and tracking URLs in our messages to you to determine whether you have opened a certain message or accessed a certain link.

 

We and our third-party partners may use cookies and tracking technologies for advertising purposes. For more information about tracking technologies, please see “Third Party Tracking and Online Advertising” below.

 

 

 

2. How We Use Your Personal Information.

 

We collect, use, process, combine, retain and store personal information that we collect or receive for a variety of purposes, including the following:

• To verify your identity and age and to guard against potential fraud;
• To provide you with the features and functionalities of the App or Website;
• To process and respond to your transaction requests or inquiries initiated through the App or Website;
• To provide customer service and to send regular communications regarding your Account;
• To market additional products and services to you;
• To enforce agreements with you;
• To comply with a court order, legal process, or applicable law, including retaining Personal Information or responding to governmental or regulatory requests; and,
• For any other lawful purpose, or any other purpose for which you provide your consent.

We also may use information that does not directly identify you, or aggregate information, for the purposes noted in this Policy.

 

3. Sharing of Personal Information.

 

We may also share Personal Information with third party partners for everyday business purposes, including:

• Third-party vendors and other service providers, including the Brand Assignor, that perform services on our behalf, as needed to carry out their work for us, which may include fraud detection, identity verification, identifying and serving targeted advertisements, payment processing, and providing analytics services. For example, we may provide your Personal Information to financial institutions to process fund transfers and store funds that are associated with your Account, provide the App features and functionality, and review potentially suspicious or fraudulent activity on the App;
• The Bank in order to comply with Bank requirements and Applicable Law.
• Government officials, including law enforcement, when we are subject to subpoena, court order or similar legal procedure or we need to do so to comply with applicable law.
• DISH to perform services on our behalf and/or for marketing and advertising

 

We will limit sharing of your information in accordance with the choices you have provided us in response to this Policy. However, with regard to the sharing of Personal Information with DISH, you can contact us at any time to limit or opt-out of our sharing. See Notice of Opt-in/Opt-out Rights section below.

 

4. Control Over Your Personal Information

 

Modifying or deleting your information. If you have registered for an Account, we may provide you with the ability to access, review and change certain information by logging into the App, visiting your Account, and using the features and functionalities available there. You are responsible for keeping your contact information and External Financial Account information up to date. Modifications to your information may require further validation before being accepted.

 

If you would like to request access to, stop or opt-out of the sale of, or request correction or deletion of Personal Information, you may send your request to us at privacy.us@alviere.com. We may not be able to modify or delete your information in all circumstances. If you have any questions about reviewing, modifying, or deleting your information, or if you want to remove your name or comments from publicly displayed content, you can contact us directly at privacy.us@alviere.com. We will try to respond to your request within 30 days but response time may vary depending on the laws and regulations applicable to your request, and we may be entitled to extend this period in certain circumstances. We will comply with your request to the extent required by applicable law.

 

5. Social Media Marketing and Third Party Tracking

 

We do not share, nor do we permit third party online advertising networks, social media companies and other third-party services that we partner with, to collect information about your use of our Website or the App.

 

We may share information collected through Tracking Technologies. However, this information is shared only for purposes of our own analytics and related marketing initiatives, and is not to be used by third parties in furtherance of any separate marketing. As noted above, depending on your browser or mobile device, you may be able to manage your settings to delete or notify you of cookies and other tracking technology.

 

6. How We Store and Protect Your Information

 

Data storage and transfer. Your information collected through our Website or the App may be stored and processed in the United States or any other country in which Alviere or our service providers maintain facilities.

Keeping your information safe. We are committed to protecting your Personal Information in a secure and private manner and against accidental, unlawful or unauthorized destruction, loss, alteration, access, disclosure or use. We will employ physical, administrative, and technological safeguards designed to preserve the integrity and security of all information collected through our App and our Website. SSL encryption also is used on our Website and the App when you are asked to enter confidential information as part of your registration. You can tell you have entered a secure, encrypted session by looking for an unbroken key, a locked padlock, or similar icon on your browser screen. In addition, you are in an encrypted session when your session changes from “http” to “https.”

 

In the event that any information entrusted to us is compromised as a result of a breach of security, we will take reasonable steps to investigate the incident and, where appropriate, notify those individuals whose information may have been compromised and take other steps, in accordance with applicable law.

 

7. Data Retention

 

We intend to only keep personal and transactional information for as long as we deem it necessary for our own business purposes, or as otherwise required to operate the App or Website, comply with your requests, or to otherwise comply with applicable law.

 

8. Information from Children

 

The App does not allow users under the age of 18 without the verifiable consent from their parents. As such, our Website and the App is not directed to children under the age of 18, and we do not knowingly collect Personal Information from children under the age of 18 without appropriate parent consent. In the event that we learn that we have inadvertently collected Personal Information from a child under age 18 without parent consent, we will delete that information as quickly as possible.

 

In accordance with the Children's Online Privacy Protection Act (“COPPA”), we do not knowingly collect, store or process the information of a child under the age of 13. If you believe that we might have any information from a child under the age of 13, please contact us immediately at privacy.us@alviere.com.

 

We are not responsible for the data collection and use practices of non-affiliated third parties to which our Website or the App may link.

 

9. Third Party Websites

 

The App or our Website may contain links to and from third party websites of our business partners, advertisers, and social media sites. If you follow a link to any of these websites, please note that these websites have their own privacy policies and that we do not accept any responsibility or liability for their policies. We cannot guarantee how these third parties use cookies or whether they place cookies on your computer that may identify you personally. We strongly recommend that you read their privacy policies and terms and conditions of use to understand how they collect, use, store and share information before you provide them with any personal information. We are not responsible for the privacy practices or the content on the websites of third parties.

 

10. Transfer or Sale Event

 

We reserve the right to transfer any personal information we have about you in the event we sell or transfer all or a portion of our business or assets (including in the event of a merger, acquisition, joint venture, reorganization, divestiture, dissolution or liquidation).

 

11. Updates to This Policy

 

We may modify or update this Policy from time to time as we deem necessary in our sole discretion. If there are material changes to this Privacy Policy, we will provide notice where, and in the manner required by applicable law, including but not limited to, through our Website and the App by changing the effective date at the bottom of this Policy notice. Your continued use of our Website and the Services after an updated Policy is posted constitutes your consent to be bound by any such changes. We will, however, seek your consent for future modifications to the extent we are required by applicable law. If you object to any changes, you may request to close your Account.

 

12. Contacting Us/ Limiting Our Sharing

 

If you have questions about this Policy or our privacy practices or to opt-out of information sharing, please contact us at privacy.us@alviere.com. Limiting our sharing of your information may require the closure of your Account and will be limited to our ability of doing so in accordance with Applicable Law. Note: Disclosures not subject to an opt-out choice include: disclosures necessary to effect, administer or enforce a transaction you request; disclosures to our authorized service providers; disclosures permitted or required by law or disclosures to prevent fraud or other illegal activities.

 

Inquiries and Feedback. If you contact us, we will collect the information that you provide us, such as your contact information and the contents of your communication with us

 

NOTICE OF OPT-OUT RIGHT

 

If you prefer that we limit sharing with affiliates or nonaffiliated third parties as described herein, you may opt-out of that information sharing by any of the following methods:

 

• Email privacy.us@alviere.com
• Mail to: Attn: Alviere Privacy Dept.
  1040 S Gaylord St. Denver, CO 80209

 

You may also be able to change your privacy preferences in the settings section/tab of the App, if such functionality is available.

 

13. Texas Complaint Notice: T.A.C Title 7, Part 2, §33.51

 

If you have a complaint, first contact the consumer assistance division of Mezu (NA), Inc. dba Alviere at (Need to include Alviere consumer assistance telephone number here), if you still have an unresolved complaint regarding the company's money transmission or currency exchange activity, please direct your complaint to: Texas Department of Banking, 2601 North Lamar Boulevard, Austin, Texas 78705, 1-877-276-5554 (toll free), www.dob.texas.gov.

 

14. FOR CALIFORNIA, NORTH DAKOTA AND VERMONT CONSUMERS:

 

In accordance with California, North Dakota and Vermont law, we will not share information we collect about you with companies outside of Alviere except as required or permitted by law. We will not disclose information about your creditworthiness to our affiliates and will not disclose your personal information or financial information to nonaffiliated third parties to market to you, other than as permitted by California, North Dakota, and Vermont law, which may entail obtaining your consent prior to disclosing such information. We will disclose financial information about consumers with a California, North Dakota, or Vermont mailing address only with your written authorization ("consent"), unless otherwise permitted or required by law. Written authorizations from North Dakota and Vermont consumers may be delivered to us at the email or mailing address above and must contain your name, address, signature and your consent. You may revoke your consent at any time by writing or emailing us at the same addresses above. You may also be able to change your privacy preferences in the settings section/tab of the App, if such functionality is available. California consumers should contact us at the mailing address below for instructions on how to deliver their consent.

 

15. Your California Privacy Rights

 

The California Consumer Protection Act (CCPA) gives California residents rights to receive certain disclosures regarding the collection, use, and sharing of Personal Information, as well as the right to control this information. While we do not share your information with third parties for their own direct marketing purposes, if you are a California resident, the CCPA permits you to request information regarding the disclosure of Personal Information to third parties for their direct marketing purposes during the immediately preceding calendar year. You may make two requests each year by contacting us at:

• Email privacy.us@alviere.com
• Mail to: Attn: Alviere Privacy Dept.
  1040 S Gaylord St. Denver, CO 80209

 

16. NOTICE AT COLLECTION: California Privacy Statement for California Consumers

 

This California Privacy Statement (“Privacy Statement”) supplements the Policy and applies only to consumers residing in California.

 

The CCPA excludes Personal Information already covered by financial services privacy laws such as the Gramm-Leach-Bliley Act (GLBA) or California Financial Information Privacy Act (CFIPA). As a result, the disclosures and rights granted by the CCPA do not apply to Personal Information related to a financial account. If you are a customer or holder of an Account, please consult the Policy portions above for information about our practices and your privacy rights.

 

This Statement uses certain terms that have the meaning given to them in the California Consumer Privacy Act of 2018 and its implementing regulations (the “CCPA”). Under the CCPA, California consumers may be entitled to notices and disclosures regarding the collection and use of their Personal Information under the CCPA. This disclosure and the information below are intended to provide the Notice at Collection required under the CCPA.

 

 

A.Collection of Personal Information

 

In the 12 months prior to the effective date of the Policy, Alviere may have collected the below Categories of Personal Information from the indicated Categories of Sources; this information may have been shared with the described Categories of Third Parties for the specified Business Purposes. Categories of Sources, Categories of Third Parties, Commercial Purposes and Business Purposes are further defined below.

 

 

Categories of Personal Information	Categories of Sources	Business and Commercial Purposes	Categories of Third Parties for Sharing
Identifiers: contact information provided for example your name, postal address, e-mail address, and telephone number; date of birth provided; social security number; tax ID number; social profile and network information; IP address; device identifier; mobile ad identifier; cookies; beacons; state, federal or foreign identification picture and information; and pixel tags.	You  Our Website  Affiliates, Subsidiaries or Vendors  Mobile Applications, including the App	Auditing  Security Purposes  Performing the Services  Quality Purposes  Authentication  Analytics  Web Traffic Analysis  Advertising  Analysis of Promotions  Safety	Government entities Auditors/Law firms Service providers Advertising and social networks Data analytics providers The Bank Brand Assignors (DISH) Other service providers
Internet and Other Electronic Network Activity Information: including the host from which you access the Internet, information about your device (such as device properties, settings, applications, storage and usage information), mobile application, browser and operating system software, the date and time you access our websites and the address of the site from which you linked to our website when you visit us.	Your Use of Our Website Affiliates, Subsidiaries or Vendors Your Use of Mobile Applications, including the App Social Media Networks or Publicly Available Sources Advertising Networks	Auditing Security Purposes Debugging Short Term Use Performing the Services Internal R&D Quality Purpose Authentication Analytics Web Traffic Analysis Advertising Analysis of Promotions Safety	Government entities Auditors Advertising and social networks Internet service provider Data analytics providers Operating systems and platforms Our affiliates and subsidiaries Other service providers
Geolocation Data: may be collected from your devices only if enabled	Your Use of Mobile Applications, including the App	Auditing Security Purposes Short-term use Internal R&D Quality Purposess Safety Performing the Services	Government Entities Auditors Advertising and social networks Data analytics providers Operating systems and platforms The Bank

 

Categories of Sources: in the 12 months prior to the effective date of the Policy, Alviere may have collected Personal Information about you from the following Categories of Sources:

 

 

● You: we may collect information directly from you, for example, through transaction forms and your interactions with us or through providing customer support or consultation, including using email, postal mail, customer service call centers or live chat;

● Your Use of Our Website: we may collect information from you or your device through your use of our Website for online Services we offer or through automated means such as communications protocols, e-mail communications and cookies or similar Tracking Technologies as described in the Policy above;

● Affiliates, Subsidiaries or Vendors: we may collect information about you from our affiliates, subsidiaries, or vendors who provide services on our behalf;

● Your Use of Mobile Applications: we may collect information from you or your device through your use of mobile applications, including the App;

● Social Media Networks or Publicly Available Sources: we may collect information about you from social media or other public data sources; and

● Advertising Networks: we may collect information about you from advertising networks so we can serve you with advertisements we believe may be of interest to you.

 

Business Purposes: in the 12 months prior to the effective date of the Policy, Alviere may have shared your Personal Information for the following Business Purposes:

 

● Auditing: related to our interactions with you and any concurrent transactions, including, but not limited to, counting ad impressions, verifying positioning and quality of ad impressions, and auditing compliance with applicable standards;

● Security Purposes: detecting security incidents, protecting against malicious, deceptive, fraudulent, or illegal activity, and prosecuting those responsible for that activity;

● Debugging: debugging to identify and repair errors that impair the intended functionality of our systems;

● Short-term use: short term, transient use, including, but not limited to, the contextual customization of ads shown as part of your interactions with us;

● Performing the Services: in addition to the purposes described in the Policy, maintaining or servicing accounts, providing customer service, processing or fulfilling orders and transactions, verifying your information, processing payments, providing financing, providing advertising or marketing services, providing analytic services, or providing similar services;

● Internal R&D: undertaking internal research for technological development and demonstration; and

● Quality Purposes: undertaking activities to verify or maintain the quality or safety of the Services and to improve, upgrade, or enhance the Services.

 

B.Categories of Third Parties: in the 12 months prior to the effective date of the Privacy Statement, Alviere may have shared your Personal Information with the following Categories of Third Parties:

 

 

· Government entities: government entities including law enforcement agencies through a valid subpoena or court order or similar administrative process, or as required by applicable law;

· Professional services organizations: professional services organizations, such as law firms and independent auditors;

· Advertising and social networks: advertising and social networks (who may combine your personal information with their own records, and records available from other sources for their own marketing purposes);

· Internet service providers;

· Data analytics providers;

· Operating systems and platforms;

· The Bank;

· Brand Assignors, including DISH;

· Other Service Providers as needed to provide the Services; and,

· Our affiliates and subsidiaries.

 

C.Sale Of Personal Information

 

            Alviere does not sell your personal information to third parties as defined under the CCPA.

 

 

D.California Resident Rights

 

If you are a California resident, you may have the right to request, twice in a 12-month period, the categories of personal information we have collected about you during the past 12 months and, for each category of personal information, the following information:

 

● the categories of sources from which we collected that information;

● our business or commercial purpose(s) for collecting that information;

● the categories of third parties to whom that information was sold or disclosed for a business purpose; and

● the business or commercial purpose(s) for which we sold or disclosed that information.

 

You also may have the right to request the deletion of the personal information we have collected from you. Once you have confirmed you are a California resident, you may submit a personal information request in accordance with the Policy section entitled “Control Over Your Personal Information” twice in any 12-month period. Upon receiving a request, we will confirm receipt of the request within 10 business days and will provide information on how we will verify your identity and process your request. We may require you to provide any of the following information: your name, date of birth, your Social Security or Tax ID number, and the email and physical addresses associated with your Account. We may also ask you for one or more of your recent transactions or the card number associated with your Account. We will then respond to and comply with your deletion request within 45 days.

 

You may also designate an authorized agent to make a personal information request on your behalf. If you choose to designate an agent, you may be required to provide the authorized agent with written permission to make your request and verify your own identity directly with us. We may deny a request from an agent that does not submit proof that they have been authorized by you to act on your behalf.

 

You have the right not to be discriminated against because you exercise any right described in the Policy or this Statement.

 

 

 

17. Contact

 

Contact for More Information: for questions or concerns about our Policy or the Privacy Statement, please contact us as specified in the “Contacting Us” section of the Policy above.

 

18. Last Revision Date

 

This Policy was last revised on March 31, 2022.

 

Fees Disclosure

 

You agree to pay the fees set forth below:

 

Short Form Fee Schedule

• MonthlyFee                Per Purchase       ATM Withdrawal.             Cash Reload
  $0.00                              $0.00                    $1.30 in-network.               $4.00*
                                                                  $3.00* out-of-network                                                        
•  
• ATM balance inquiry(in-network or out-of-network)              $0.00
• Customer Service (automated or live agent)                              $0.00
• Inactivity (after 12 months with no transactions)                      $2.00 per month
•  
• We charge 8 other types of fees. Here are some of them:
• Replacement card                                                                            $6.00 per card
• International remittance                                                          $3.50 per transaction
•  
• *The fees listed may be lower depending on location
  
  
  No overdraft/credit feature.
  Your funds are eligible for FDIC insurance.
  
  For general information about prepaid accounts, visit cfpb.gov/prepaid. Find details and conditions for all fees in the complete fee schedule below.
  
  Financial Institution: Community Federal Savings Bank, Member FDIC
  Name of the Prepaid Account Program: Omni Money by Boost Mobile Debit Card
  Program Manager: Mezu (NA), Inc. dba. Alviere

Long Form Fee Schedule

 

This Schedule of Fees was last revised on January 5, 2024

 

All fees	Amount	Details
Get started
Card purchase	$0.00	No charge. You will not receive a physical Card until you load a minimum of $25.00 on the Card Account, at which time you will receive a physical Card at no charge. There is no charge for a digital Card.
Replacement card	$6.00	If you need to replace your card for any reason you will be assessed this fee.
Monthly usage
Active Monthly fee	$0.00	There is no monthly fee while your account is active.
Inactivity Monthly	$2.00	You will be charged $2.00 each month after you have not completed a transaction using your account or card for 12 months.
Add money
Direct deposit	$0.00	There is no charge for setting up a direct deposit.
Cash deposit (Boost Mobile store locations)	$4.00	Fee of $4.00 may apply when depositing cash into your account at a Boost Mobile store location.
Cash deposit (ReadyLink locations)	$2.00	Fee of $2.00 may apply when depositing cash into your account at a ReadyLink location. Some locations may also charge an additional fee depending on location.
Deposit via Check	$3.00	You will be charged $3.00 for each transaction when you attempt to deposit a check via remote check/mobile check deposit.
Spend money
Transfer or Receive money via ACH - Same Day	$0.13	All ACH money transfers that happen same day.
Transfer or Receive money via ACH - Next  Day	$0.05	All ACH money transfers that happen next day.
Get Cash
ATM withdrawal (in-network)	$1.30	“In-network” refers to the OmniMoney ATM Network via MoneyPass. Locations can be found on the Mobile App.
ATM withdrawal (out-of-network)	$3.00	This is our fee. “Out-of-network” refers to all the ATMs outside of the OmniMoney ATM Network via MoneyPass. You may also be charged a fee by the ATM operator, even if you do not complete a transaction
Information
Customer Service (automated)	$0	No fee for calling our automated customer service line, including for balance inquiries.
Customer Service (live agent)	$0	No fee for calling.
ATM balance inquiry (in-network)	$0	No fee for calling.
ATM balance inquiry (out-of-network)	$0	No fee for calling.
Using your card outside the U.S.
International transaction	1.5%	Of the U.S. dollar amount of each transaction.
International ATM withdrawal	$3.00	This is our fee. You may also be charged a fee by the ATM operator, even if you do not complete a transaction.
International ATM balance inquiry	$3.00	This is our fee. You may also be charged a fee by the ATM operato
Other
Send Money to Mexico (International Remittance- Deposit to Bank Account)	$3.50	You will be charged $3.50 for all International Remittance transactions to Mexico paid out in bank deposits, per transaction.
Send Money to Mexico (International Remittance- Cash Pick Up)	$5.00	You will be charged $5.00 for all International Remittance transactions to Mexico paid out in cash pickup, per transaction.

Your funds are FDIC insured. Your funds will be held at or transferred to Community Federal Savings Bank, an FDIC-insured institution. Once there, your funds are insured up to $250,000 by the FDIC in the event Community Federal Savings Bank fails, if specific deposit insurance requirements are met. See fdic.gov/deposit/deposits/prepaid.html for details.

 

No overdraft/credit feature. You may contact Customer Support for questions about your Card or transactions in the following ways: by email at Omnimoney@alviere.com, by mail at 1040 S Gaylord St. Denver, CO 80209 or by calling 1-866-287-7054.

 

For general information about prepaid accounts, visit cfpb.gov/prepaid. If you have a complaint about a prepaid account, contact our customer care team at Omnimoney@alviere.com, by calling 1-866-649-0669, or by mail at 1040 S Gaylord St. Denver, CO 80209. You may also call the Consumer Financial Protection Bureau at 1-855-411-2372 or visit cfpb.gov/complaint.

 

Maximum & Minimum Account Limits

 

From time to time, Bank may increase or decrease limits, or add additional limits, to your use of the Card Account, including the Card, in its sole discretion for security, risk or other reasons without notice to you, except as required by applicable law. Your Card Account limits can be found in the table below.

 

1Bank's ABA routing number and your Card Account number may be used for the purpose of initiating ACH direct deposits to your Card Account. The recipient's name on any direct deposit(s) that Bank receives must match the name of the cardholder. Any direct deposits received in a name other than the cardholder's name may be returned to the originator.
2Cash load locations used to send funds to your Card Account may impose their own terms and conditions, including fees and transaction limits (including per transaction, daily, weekly or monthly limits on the frequency or amount of cash you may deposit to your Card Account).
3ATM cash deposits are only available at MoneyPass ATMs.
4Different minimums may be set by each ATM operator.