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U.S. BANK DIGITAL REWARDS CARD CARDHOLDER AGREEMENT



(Effective 6/26/19)





Read this Cardholder Agreement (“Agreement”) carefully and keep it for future
reference.



The U.S. Bank Digital Rewards Card is a non-reloadable Visa or Mastercard
prepaid card issued by U.S. Bank National Association (“U.S. Bank”) that is
loaded with value and given to you as authorized and determined solely by an
organization in connection with a loyalty, award or promotional program. You
will receive a card number (the “Card”) digitally (by electronic mail or other
means) and you will not receive a physical card unless your program permits you
to request one for a fee online or through the call center. Using the Card or
allowing someone else to use the Card means that you accept this Agreement and
you are responsible for all transactions. In this Agreement the terms “we”,
“us”, and “our” mean U.S. Bank and “you” or “your” mean anyone who has received
the Card or is authorized to use it. The laws of the state of Ohio govern
interpretation of this Card Agreement. We may change the terms of, or add new
terms to, this Card Agreement at any time, with or without cause, and without
giving you notice, in accordance with applicable law. Visit
rewards.mydigitalcard.com for posting of the most recent terms.

THIS AGREEMENT CONTAINS AN ARBITRATION PROVISION (INCLUDING A CLASS ACTION
ARBIRATION WAIVER). It is important that you read the Arbitration section
carefully.

THIS CARD IS SUBJECT TO AN EXPIRATION DATE AND MUST BE ACTIVATED PRIOR TO USE.
See “Expiration, Revocation” and “Using Your Card” below for more information.

A. Using Your Card
We encourage you to use your Card immediately. You must activate your Card prior
to the “valid thru” date provided with your card. After activation your Card may
be used to purchase goods or services at any online or telephone merchants that
accept Visa or Mastercard debit cards in the United States. This card may not be
used for in-person transactions. You must not use your Card for any illegal
transaction. We may decline authorization for any illegal transaction or online
gambling transaction. Your Card is not redeemable for cash. Your Card cannot be
used for any cash advances or cash back at the point of sale, money orders,
traveler’s checks or gambling transactions. Additional value cannot be added to
this Card. All transactions will be declined once the Card balance reaches zero.
Keep a record of your Card number in case of loss or theft.

B. Foreign Transactions
This Card may not be used at any merchant outside the United States.

C. Fees
There are no fees when using the Card to purchase goods and services. However,
the following fees apply and will be deducted from the balance available on the
Card, as applicable, except where prohibited or modified by applicable law.
• Card Replacement Fee: If your program permits you to order physical (plastic)
replacement cards, a
$15.00 fee will be charged for the replacement card.
• Escheatment Fee: A $15.00 fee will be charged to your Card if it is escheated
according to, and only as permitted by, applicable law.

D. Balance and Account Information
You may obtain balance and account information online at
rewards.mydigitalcard.com. You may also contact Cardholder Services by calling
877-528-6413.

E. Personal Identification Number (PIN) Purchases
During the Card activation process, you will be required to set your PIN, which
you may use for making purchases where entering a PIN is allowed. You can also
change your PIN by calling 877-528-6413. The Card and PIN are provided for your
use and protection, and you will:
• Not disclose the PIN nor record it on the Card or otherwise make it available
to anyone else;
• Use the Card and the PIN as instructed (Card cannot be used to obtain cash);
• Promptly notify us of any loss or theft of your Card or PIN (see “Liability
for Lost/Stolen Card and Unauthorized Transactions”); and
• Be liable for any transactions made by a person you authorize or permit to use
your Card and/or PIN. If you permit someone else to use your Card, we will treat
this as if you have authorized this person to use your Card and you will be
responsible for any transactions initiated by such person with your Card.

F. Sale Prohibited
Sale of Cards is strictly prohibited.

G. Expiration, Revocation
The Card is valid through the expiration date provided with the Card or until
the value on the Card reaches zero, except where prohibited or modified by
applicable law. The Card is no longer usable after the last day of the month of
the “valid thru” date. When the Card expires it will be closed and any unused
balance will be handled according to escheat law. U.S. Bank may revoke the Card
at any time without cause or notice. You must surrender a revoked Card and may
not use it to make purchases. You may not sell your Card and U.S. Bank is not
liable for the revocation of funds on Cards that have been sold or transferred
by you.

H. Liability for Lost/Stolen Card and Unauthorized Transactions
If your Card has been lost, stolen, or subject to unauthorized use, contact
Cardholder Services immediately at 877- 528-6413, 24 hours a day, 7 days a week.
You will be required to provide your name, the Card number, and the relevant
transaction history. You must call us within 60 days of the date of the
transaction you believe to be unauthorized. If you don’t report within this
timeframe, you may be liable for all transactions that occur on your Card. You
may also be liable for transactions that occur on your Card after you report
your Card lost or stolen unless, (1) you promptly report all facts relating to a
loss or theft of your Card, and (2) if we ask for your cooperation in our
investigation of your lost or stolen Card, you fully cooperate with our request.
If you comply with these procedures and we determine there is a balance
remaining on your lost or stolen Card, you may request a replacement Card. We
will charge a fee to replace a lost or stolen Card, which will be deducted from
the balance of your Card. A reissued Card may take up to 20 days to process.

I. Liability for Failure to Complete Transactions
U.S. Bank is not liable for any failed transaction if you do not have enough
money on your Card to cover a transaction, the terminal or system is not working
properly, circumstances beyond our control prevent the transaction, or the
merchant authorizes an amount greater than the purchase amount.

J. Error Resolution Procedures
If there is a problem or dispute with a purchase of goods or services, you must
address it directly with the merchant involved. Refunds and returns are subject
to the merchant’s policies or applicable laws. In case of any other errors on
your card account call Cardholder Services immediately at 877-528-6413. You must
call within 60 days of the date of the error. If you need more information about
error resolution procedures please call Cardholder Services at 877-528-6413.

K. Disclosure of Information to Third Parties

We may disclose information to third parties about your Card or the transactions
you make: (a) where it is necessary for completing transactions; (b) to verify
the existence and condition of your Card to a third party; (c) to utilize
services of third parties and affiliate entities who assist us in providing the
Card and related services; (d) to comply with government agency rules or court
orders; (e) if you give us your permission; (f) if you owe us money
or there are legal proceedings in connection with your Card, in which case
information may be released to attorneys, accountants, collection bureaus,
financial institutions, and others involved in collection, adjustment,
settlement or reporting; (g) to protect against potential fraud and other
crimes; or (h) when otherwise permitted by law.

L. RESOLUTION OF DISPUTES BY ARBITRATION

PLEASE READ THIS PROVISION CAREFULLY. UNDER THIS PROVISION, YOU WAIVE YOUR
RIGHTS TO TRY ANY COVERED CLAIM IN COURT BEFORE A JUDGE OR JURY AND TO BRING OR
PARTICIPATE IN ANY CLASS OR OTHER REPRESENTATIVE ACTION.
The following provision applies to any claim, cause of action, proceeding, or
any other dispute between you, on the one hand, and us, our respective parents,
subsidiaries, affiliates, agents, employees, predecessors-in-interest, personal
representatives, heirs and/or successors, and assigns, on the other hand (each a
“Claim” as further defined under the heading “Claims Covered by Arbitration”),
including all questions of law or fact related thereto.



1. Agreement to Arbitrate

Either you or we may elect in writing, and without the consent of the other, to
arbitrate all Claims covered by this provision.





2. Claims Covered By Arbitration

Claims subject to our agreement to arbitrate shall include all of the following:
(i) Claims related to or arising out of this Agreement, or any prior or later
versions of this Agreement as well as any changes to the terms of this
Agreement; (ii) Claims related to or arising out of any aspect of any
relationship between us that is governed by this account Agreement, whether
based in contract, tort, statute, regulation, or any other legal theory; and
(iii) Claims that relate to the construction, scope, applicability, or
enforceability of this arbitration provision. Claims include Claims that arose
before we entered into this Agreement (such as Claims related to advertising)
and after termination of this Agreement.

3. Claims Not Covered by Arbitration

Claims subject to our agreement to arbitrate shall not include any Claim you
file in a small claims court, so long as the Claim remains in such court and
advances only an individual claim for relief.

4. Commencing an Arbitration

The party initiating arbitration must choose one of the following arbitration
forums to administer the arbitration:
• The American Arbitration Association (“AAA”) under AAA’s Consumer Arbitration
Rules, except as modified by this account Agreement. AAA’s Rules may be obtained
from www.adr.org or 1-800-778-7879 (toll-free).
• JAMS/Endispute (“JAMS”) under JAMS’ Comprehensive Arbitration Rules &
Procedures or Streamlined Arbitration Rules & Procedures, including JAMS’
Consumer Minimum Standards, except as modified by this account Agreement. JAMS’
Class Action Procedures shall not apply. JAMS’ rules may be obtained from
www.jamsadr.com or 1-800-352- 5267 (toll free).
If the chosen arbitration forum is for any reason unable to serve, then the
parties may agree to a comparable substitute organization. If the parties are
unable to agree, then a court of competent jurisdiction shall appoint a
substitute organization.





5. Arbitration Procedure

The arbitration shall be decided by a single neutral arbitrator selected in
accordance with AAA’s or JAMS’ rules, as applicable. The arbitrator will decide
the dispute in accordance with the terms of our Agreement and applicable
substantive law, including the Federal Arbitration Act and applicable statutes
of limitation. The arbitrator shall honor claims of privilege recognized at law.
The arbitrator may award damages or other relief (including injunctive relief)
available to the individual claimant under applicable law. The arbitrator will
not have the authority to award relief to, or against, any person or entity who
is not a party to the arbitration. The arbitrator will take reasonable steps to
protect customer account information and other proprietary or confidential
information. Any arbitration hearing shall take place in the federal judicial
district that includes your home address, unless you and we agree in writing to
a different location or the arbitrator so orders. If all Claims are for $10,000
or less, you may choose whether the arbitration will be conducted solely on the
basis of documents submitted to the arbitrator, through a telephonic hearing, or
by an in-person hearing in accordance with AAA’s or JAMS’ rules.
At your or our request, the arbitrator will issue a reasoned written decision
sufficient to explain the essential findings and conclusions on which the award
is based. The arbitrator’s award shall be final and binding, subject to judicial
review only to the extent allowed under the Federal Arbitration Act. You or we
may seek to have the award vacated or confirmed and entered as a judgment in any
court having jurisdiction.





6. No Class Action or Joinder of Parties

You and we agree that no class action, private attorney general, or other
representative claims may be pursued in arbitration, nor may such action be
pursued in court if either you or we elect arbitration. Unless mutually agreed
to by you and us, Claims of two or more persons may not be joined, consolidated,
or otherwise brought together in the same arbitration (unless those persons are
joint account owners or beneficiaries on your account and/or related accounts,
or parties to a single transaction or related transaction). If this specific
paragraph is determined by the arbitrator to be unenforceable, then this entire
provision shall be null and void.





7. Arbitration Costs

Unless the applicable arbitration rules at the time of filing a Claim are more
favorable to you, we will advance (i) all arbitration costs in an arbitration
that we commence, and (ii) the first $2,500 in arbitration filing,
administration, and arbitrator’s fees in an arbitration that you commence. To
the extent allowed by applicable law and our agreements, the arbitrator may
award arbitration costs and attorneys’ fees to the prevailing party.

8. Applicable Law

You and we agree that you and we are participating in transactions that involve
interstate commerce and that this provision and any resulting arbitration are
governed by the Federal Arbitration Act. To the extent state law applies, the
laws of the state governing your account relationship apply. No state statute
pertaining to arbitration shall apply.





9. Severability

Except as this provision otherwise provides, if any part of this provision is
deemed to be invalid or unenforceable by the arbitrator, that part will be
severed from the remainder of this provision and the remainder of this provision
will be enforced.



Here are Some Helpful Tips on How to Use Your U.S. Bank Digital Rewards Card

• Know Your Balance: The Digital Rewards Card transaction will be declined if
you attempt to make a purchase in excess of your card balance. Visit
rewards.mydigitalcard.com for balance information.
• Your card does not have cash access.
• Visit rewards.mydigitalcard.com for additional helpful tips on how to use your
U.S. Bank Digital Rewards Card.

   
   
 * Contact us
 * Online Privacy & Security

The Digital Rewards Card will be fulfilled via a digital card that can be used
for online purchases. Rewards Card cannot be reloaded with additional funds, nor
can it be used at an ATM. No cash access. May be used in U.S. only. Other terms
and conditions apply. Rewards Card is issued by U.S. Bank National Association,
pursuant to a license from Visa U.S.A. Inc. © 2021 U.S. Bank