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Personal Terms & Conditions - Purchased Before 8/22/2010

Gift2Go Visa® Gift Card - The gift you can use wherever Visa debit cards are accepted including online

How does my Gift Card work? The Gift2Go Visa Gift Card is a prepaid card that lets you shop at millions of locations that accept Visa debit cards. Since this Gift Card is a prepaid card, your spending is limited to the amount of money placed on the Gift Card by the purchaser. Each time you use your Gift Card, the total dollar amount of your purchase and any fees will be automatically deducted from the value of the Gift Card. At the time you make a purchase with your Gift Card, give your Gift Card to the cashier. You will be asked to sign the receipt. If using a keypad, swipe the Gift Card through the keypad and push the "credit" (or "cancel") button, then sign the purchase receipt. NOTE: Your Gift Card does not come with a PIN. DO NOT PUSH "DEBIT" OR YOUR PURCHASE WILL BE DECLINED.

Do I need to do anything before using my Gift Card? If there is an activation label on the card you need to call the number indicated to activate your Gift card. If there is no activation label, you can use your card immediately. Sign the back of your Gift Card before using it for the first time to help ensure that it cannot be used by anyone else. You should also write down your Gift Card number and keep it in a separate place, just in case it is lost or stolen. It's also a good idea to know your Gift Card's balance, because most merchants will not be able to check your balance for you.

What's my balance? Knowing your balance before you shop will help assure that your Gift Card is accepted.
You can check your balance twenty-four (24) hours a day, seven (7) days a week for free at www.Gift2Go.net or by calling 1-800-675-7984.

What fees will apply? It's important to use your Gift Card promptly, because a Monthly Maintenance Fee of $2.50 per month beginning on the first (1st ) day of the thirteenth (13th ) month from the day of purchase will be applied to any remaining balance, except where prohibited by law. Some other fees may apply as well. For a complete list of applicable fees, see the "Fee Schedule" section of the Cardholder Agreement for further details.

What if my Gift Card is lost or stolen? Please call us right away at 1-800-675-7984 so that we can cancel your Gift Card, verify the information you provide and issue you a replacement Gift Card. Please keep your Gift Card number in a safe place - you will need it for a Gift Card replacement. There is a $5.00 Card Replacement/Lost Stolen Fee, subject to applicable law.

Can I use my Gift Card online? Yes, your Gift Card can be used to make online purchase. Please be advised that some merchants require address verification. Please see the "Using Your Card/Features" section of the Cardholder Agreement for further details.

Can value be added to my Gift Card? No. Once the value of the Gift Card has been depleted, the Gift Card is no longer valid and should be cut in half and discarded. However, we recommend that you retain your Gift Card at least until you are sure that you do not intend to return any purchased merchandise.

Cardholder Agreement

IMPORTANT PLEASE READ CAREFULLY.
IMPORTANT: BE SURE TO PROVIDE THE GIFT CARD RECIPIENT THIS CARDHOLDER AGREEMENT.

Terms and Conditions/Definitions for the Gift2Go Visa® Gift Card: This document constitutes the agreement ("Agreement") outlining the terms and conditions under which the Gift2Go Visa Gift Card has been issued to you. By accepting and using the Card, you agree to be bound by the terms and conditions contained in this Agreement. "Card" means the Gift2Go Visa Gift Card issued to you by Sunrise Banks, N.A. "Issuer" means Sunrise Banks, N.A. The Issuer is an FDIC insured member institution. IDT Payment Services of New York LLC ("IDT") is an Independent Sales Organization ("ISO") pursuant to an agreement with Sunrise Banks, N.A. IDT acts as the Gift2Go Visa Gift Card program management company and administers all operations. "Card Account" means the records we maintain to account for the value of claims associated with the Card. "You" and "your" mean the person or persons who have received the Card and are authorized to use the Card as provided for in this Agreement. "We," "us," and "our" mean the Issuer, our successors, affiliates or assignees. You acknowledge and agree that the value available in the Card Account is limited to the funds that you have loaded into the Card Account, or have been loaded into the Card Account on your behalf. You agree to sign the back of the Card immediately upon receipt. The "good thru" date of the Card is identified on the front of your Card. The Card is a prepaid card. The Card is not connected in any way to any other account. The Card is not a credit card. The Card is not for resale. You will not receive any interest on your funds in the Card Account. The Card will remain the property of the Issuer and must be surrendered upon demand. The Card is nontransferable and it may be canceled, repossessed or revoked at any time without prior notice, subject to applicable law. Our business days are Monday through Friday, excluding federal holidays, even if we are open. Write down your Card number and the customer service phone number provided in this Agreement on a separate piece of paper in case your Card is lost, stolen, or destroyed. Please read this Agreement carefully and keep it for future reference.

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

Secondary Cardholder: You may not request an additional Card for another person.

Personal Identification Number: You will not receive a Personal Identification Number ("PIN") with your Card Account.

Cash Access: You may not use your Card to obtain cash from an Automated Teller Machine ("ATM"), Point-of-Sale ("POS") device, or by any other means. You may not use your Card at an ATM.

Loading Your Card: Additional funds may not be added to your Card, called "value loading." The minimum amount of the initial value load is $5.00. The maximum amount of the initial value load is $2,000.00

Using Your Card/Features:The maximum amount that may be spent on your Card per day is $500.00. The maximum value of your Card is restricted to $500.00.

You may use your Card to purchase or lease goods or services wherever Visa debit cards are accepted as long as you do not exceed the value available on your Card Account. Some merchants do not allow cardholders to conduct split transactions where you would use the Card as partial payment for goods and services and pay the remainder of the balance with another form of legal tender. If you wish to conduct a split transaction and it is permitted by the merchant, you must tell the merchant to charge only the exact amount of funds available on the Card to the Card. You must then arrange to pay the difference using another payment method. Some merchants may require payment for the remaining balance in cash. If you fail to inform the merchant that you would like to complete a split transaction prior to swiping your Card, your Card is likely to be declined.

If you use your Card at an automated fuel dispenser ("pay at the pump"), the merchant may preauthorize the transaction amount for $75.00 or more. If your Card is declined, even though you have sufficient funds available, pay for your purchase inside with the cashier. If you use your Card at a restaurant, a hotel, for a car rental purchase, or for similar purchases, the merchant may preauthorize the transaction amount for the purchase amount plus up to 20% or more to ensure there are sufficient funds available to cover tips or incidental expenses incurred. Any preauthorization amount will place a "hold" on your available funds until the merchant sends us the final payment amount of your purchase. Once the final payment amount is received, the preauthorization amount on hold will be removed. It may take up to seven (7) days [thirty (30) days for hotels] for the hold to be removed. During the hold period, you will not have access to the preauthorized amount.

If you use your Card number without presenting your Card (such as for a mail order, Internet or telephone purchase), the legal effect will be the same as if you used the Card itself. For security reasons, we may limit the amount or number of transactions you can make on your Card. Your Card cannot be redeemed for cash. You may not use your Card for online gambling or any illegal transaction. Each time you use your Card, you authorize us to reduce the value available in your Card Account by the amount of the transaction and any applicable fees. You are not allowed to exceed the available amount in your Card Account, through an individual transaction or a series of transactions. Nevertheless, if a transaction exceeds the balance of the funds available on your Card you shall remain fully liable to us for the amount of the transaction and any applicable fees. You do not have the right to stop payment on any purchase or payment transaction originated by use of your Card. You may not make preauthorized regular payments from your Card Account. If you authorize a transaction and then fail to make a purchase of that item as planned, the approval may result in a hold for that amount of funds for up to thirty (30) days. All transactions relating to car rentals may result in a hold for that amount of funds for up to sixty (60) days.

Your Card can be used to make online purchases. Please keep in mind, however, that attempting to use your Card at websites that require address verification may result in a decline since, for security purposes, a web merchant may want to associate your Card with your name and address, which it will not be able to do.

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

Card Replacement: If you need to replace your Card for any reason, please contact us at 1-800-675-7984 to request a replacement Card. You will be required to provide personal information which may include your Card number, full name, transaction history, etc. There is a fee for replacing your Card.

Charges Made In Foreign Currencies: If you make a purchase in a currency other than the currency in which your Card was issued, the amount deducted from your funds will be converted by Visa U.S.A. Inc. into an amount in the currency of your Card. The exchange rate between the transaction currency and the billing currency used for processing international transactions is a rate selected by Visa U.S.A. Inc. from the range of rates available in wholesale currency markets for the applicable central processing date, which may vary from the rate Visa U.S.A. Inc. itself receives, or the government-mandated rate in effect for the applicable central processing date. If you make a purchase in a currency other than the currency in which your Card was issued, the Issuer may assess a foreign currency conversion fee of 2% of the transaction amount and will retain this amount as compensation for its services.

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

Card Account Balance/Periodic Statements: You are responsible for keeping track of your Card Account available balance. Merchants generally will not be able to determine your available balance. It's important to know your available balance before making any transaction. You may access your available balance by accessing your Card Account online or by calling 1-800-675-7984, anytime, twenty-four (24) hours a day, seven (7) days a week for free. Statements in electronic format will be made available free of charge by visiting www.Gift2Go.net during each month in which a transaction occurs. You will not automatically receive paper statements. Should you request a paper statement, there is a fee of $5.00 which will be deducted from your card balance.

Fee Schedule: All fee amounts may be withdrawn from your Card Account and will be assessed as long as there is a remaining balance on your Card Account, except where prohibited by law. Anytime your remaining Card Account balance is less than the fee amount being assessed, the balance of your Card Account will be applied to the fee amount. The Card Fee, charged by the retailer, and shown on the packaging, has been paid by the purchaser of this Card. The Card Fee is a fee assessed by the individual retailer only, and is not assessed by the Issuer.

  1. Monthly Maintenance Fee: A Monthly Maintenance Fee of $2.50 per month beginning on the first (1st) day of the thirteenth (13th) month from the day of purchase will be applied to any remaining balance after twelve (12) months of inactivity, except where prohibited by law. If we send you a replacement Card for a lost, stolen, or damaged Card, the initial twelve (12) month period is still tracked from the date your original Card was purchased.
  2. Card Replacement/Lost Stolen Fee: A $5.00 Card Replacement/Lost Stolen Fee will be deducted from your available funds to replace a lost, stolen, or damaged Card or to reissue a Card to transfer a balance from a Card in which the good thru date has passed.
  3. Foreign Currency Fee: There are fees associated with purchases made in a currency other than the currency in which your Card was issued. See the "Charges Made In Foreign Currencies" section for further details.
  4. Paper Statement Fee: A $5.00 Paper Statement Fee will be deducted from your available funds for each paper statement requested. You can visit www.gift2go.net and obtain transactions within the last 90 days or you may call Customer Service at the number located on the back of your card for free.

Good Thru Date: Your Card will expire upon the last day of the month which is indicated on the front of the card. You will not be able to use your Card after the "good thru" date, but you are able to transfer the balance on your Card to a newly issued Card if you contact us within sixty (60) days of such "good thru" date at the customer service telephone number in this Agreement. There will be a $5.00 Card Replacement/Lost Stolen Fee, subject to applicable law. If you do not contact us within that sixty (60) day period, the Card Account will be closed. Any remaining balance will be handled in accordance with applicable law.

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

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

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

  1. If through no fault of ours, you do not have enough funds available on your Card to complete the transaction;
  2. If there is a hold or your funds are subject to legal process or other encumbrance restricting their use;
  3. If a merchant refuses to accept your Card;
  4. If an electronic terminal where you are making a transaction does not operate properly, and you knew about the problem when you initiated the transaction;
  5. If access to your Card has been blocked after you reported your Card lost or stolen;
  6. If we have reason to believe the requested transaction is unauthorized;
  7. If circumstances beyond our control (such as fire, flood, computer or communication failure) prevent the completion of the transaction, despite reasonable precautions that we have taken; or
  8. Any other exception stated in our Agreement with you.

Your Liability for Unauthorized Transfers: Contact us at once if you believe your Card has been lost or stolen. Telephoning is the best way to minimize your possible losses. If you believe your Card has been lost or stolen, or that someone has transferred or may transfer money from your Card Account without your permission, call us toll free at 1-800-675-7984. Under Visa U.S.A. Inc. Operating Regulations, your liability for unauthorized Visa debit transactions on your Card Account is $0.00 if you notify us promptly and you are not grossly negligent or fraudulent in the handling of your Card. If you notify us within two (2) business days of unauthorized Visa debit or non-Visa debit transactions, you can lose no more than $50.00 if someone used your Card without your permission. If you do not notify us within two (2) business days after you learn of the loss or theft of your Card and we can prove that we could have stopped someone from using your Card without your permission if you had promptly notified us, you could lose as much as $500.00.

Also, if you become aware of and/or your statement shows transactions that you did not make, notify us at once. If you do not notify us within sixty (60) days after you become aware of the transaction and/or after the statement was made available to you, you may not get back any value you lost after the sixty (60) days if we can prove that we could have stopped someone from taking the value if you had notified us in time or you are grossly negligent or fraudulent in the handling of your Card. If your Card has been lost or stolen, we will close your Card Account to keep your losses down. In order to conduct a complete investigation, you may need to provide a signed affidavit. If a replacement Card is issued, it may take up to thirty (30) days to reissue the Card.

Other Terms: Your Card and your obligations under this Agreement may not be assigned. We may transfer our rights under this Agreement. Use of your Card is subject to all applicable rules and customs of any clearinghouse or other association involved in transactions. We do not waive our rights by delaying or failing to exercise them at anytime. If any provision of this Agreement shall be determined to be invalid or unenforceable under any rule, law, or regulation of any governmental agency, local, state, or federal, the validity or enforceability of any other provision of this Agreement shall not be affected. This Agreement will be governed by the law of the State of Minnesota except to the extent governed by federal law.

Amendment and Card Cancellation: We may amend or change the terms and conditions of this Agreement at any time. You will be notified of any change in the manner provided by applicable law prior to the effective date of the change. However, if the change is made for security purposes, we can implement such change without prior notice. We may cancel or suspend your Card or this Agreement at any time. You may cancel this Agreement by returning the Card to us. Your termination of this Agreement will not affect any of our rights or your obligations arising under this Agreement prior to termination. In the event that your Card Account is cancelled, closed, or terminated for any reason and you have registered your Card with your personal information, you may request the unused balance to be returned to you via a check to the mailing address we have in our records. The Issuer reserves the right to refuse to return any unused balance amount less than $1.00.

Information About Your Right to Dispute Errors: In case of errors or questions about your electronic transactions, call 1-800-675-7984, or write to IDT Payment Services of New York LLC, 520 Broad Street, Newark, NJ, 07102 if you think your statement or receipt is wrong or if you need more information about a transaction listed on the statement or receipt. You must contact us no later than sixty (60) days after the FIRST statement was made available to you on which the problem or error appeared.

  1. Provide your name and Card number (if any).
  2. Describe the error or the transaction you are unsure about, and explain why you believe it is an error or why you need more information.
  3. Provide the dollar amount of the suspected error.
If you provide this information orally, we may require that you send your complaint or question in writing within ten (10) business days. We will determine whether an error occurred within ten (10) business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty-five (45) days to investigate your complaint or question. If we decide to do this, we will credit your Card within ten (10) business days for the amount you think is in error, so that you will have the use of the money during the time it takes to complete the investigation. If we ask you to put your complaint or question in writing and you do not provide it within ten (10) business days, we may not credit your Card. For errors involving new Cards, POS transactions, or foreign-initiated transactions, we may take up to ninety (90) days to investigate your complaint or question. We will tell you the results within three (3) business days after completing the investigation. If we decide that there was no error, we will send you a written explanation. Copies of the documents used in the investigation may be obtained by contacting us at the phone number or address listed at the beginning of this section.

English Language Controls: Any translation of this Agreement is provided for your convenience. The meanings of terms, conditions and representations herein are subject to definitions and interpretations in the English language. Any translation provided may not accurately represent the information in the original English.

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

IDT Payment Services of New York LLC
520 Broad Street
Newark, NJ 07102
1-800-675-7984

This Cardholder Agreement is effective 05/2011.

©2011 All rights reserved. The name "Gift2Go" is a registered service mark of IDT Payment Services of New York LLC