Sandboxx Gift Card Terms & Conditions

cardholder agreement

IMPORTANT NOTICES:

1. KEEP THIS DOCUMENT FOR ANY FUTURE QUESTIONS OR ISSUES.

2. THIS DOCUMENT WILL ALSO BE PROVIDED TO THE RECIPIENT.

3. PLEASE READ CAREFULLY. THIS AGREEMENT CONTAINS AN ARBITRATION PROVISION IN SECTION 10 BELOW REQUIRING ALL CLAIMS TO BE RESOLVED BY WAY OF BINDING ARBITRATION.

4. ALWAYS KNOW THE EXACT DOLLAR AMOUNT AVAILABLE ON YOUR CARD. CARDHOLDER CAN CALL 866-287-7054 AND PROVIDE REQUIRED INFORMATION AND WILL BE ADVISED OF THE CURRENT AMOUNT AVAILABLE ON THE CARD. MERCHANTS MAY NOT HAVE ACCESS TO DETERMINE YOUR CARD BALANCE.

5. IF YOU DO NOT AGREE TO THESE TERMS AND THE CARD HAS NOT BEEN USED OR RECEIVED BY THE RECIPIENT, YOU MAY CANCEL THE CARD BY CALLING CARDHOLDER SUPPORT. ALL SALES ARE FINAL AND CARDS ARE NON-REFUNDABLE EXCEPT AS REQUIRED UNDER APPLICABLE STATE LAW.

About Your Card

The terms set forth in the Sandboxx Gift Card Cardholder Agreement (“Agreement”) form a binding contract and apply to your use of your Sandboxx Gift Card issued by Community Federal Savings Bank (“CFSB” or the “Bank”) (the “Card”). The Card is not marketed to the general public but rather exclusively marketed to friends and family members of U.S. service members. This Agreement is between you and the Bank. Mezu (NA), Inc. dba. Alviere (“Alviere”) provides services related to the Card on behalf of CFSB and for this reason, Alviere is also an agent and service provider of the Bank for purposes of this Agreement. As a result, Bank and Alviere are referred to as “we”, “us” and “our”) for the purposes of this Agreement.

Sandboxx, Inc., is a third-party branding partner (“Brand Assignor”) of Alviere and may provide you an application or website (“Partner System”) as a means to access certain Card and related account (“Account”) functionalities, such as checking balances and transactions.

By requesting, accepting or using the Card or authorizing any person to use the Card, you agree to be bound by the terms of this Agreement (which can be found on the Website) under which the Card has been issued to you, and you, affirm, or reaffirm, as the case may be, your agreement with each of the following agreements that applies to you:

• Privacy Policy(ies) provided to you with this Agreement.

• E-Sign Consent Agreement.

The Card is a gift card loaded with a specific amount of funds, redeemable to buy goods and services anywhere Visa debit cards are accepted in the US. No additional funds may be added to this Card. The Card is NOT a credit Card. The Card is not a checking account or connected in any way to any account other than a prepaid account where your funds are held. The funds on your Card ARE NOT insured by the Federal Deposit Insurance Corporation (“FDIC”). THE CARD ARRIVES TO THE CARDHOLDER AS AN ACTIVATED CARD AND SHOULD BE TREATED BY THE CARDHOLDER AS IF IT WAS CASH.

1. Definitions

“Alviere” means Mezu (NA), Inc., and its successors, assigns and affiliates.

“Applicable Law” means any law, rule or regulation of a federal, state, municipal of foreign or local government, or any rule or regulation of any clearing house or network involved in the transaction, which apply to the product and services provided to you under this Agreement.

“Business Days” means Monday through Friday except for holidays.

“Card” means your physical gift card issued by CFSB.

“Card Transaction(s)” means redeeming the value of your Card for goods and services online, over the phone or in person.

“Cardholder” means the person or persons who have received the Card and are authorized to use the Card as provided for in this Agreement.

“CFSB” means Community Federal Savings Bank, Member FDIC.

“Brand Assignor” means Sandboxx, Inc., and its successors, assigns and affiliates.

“You” and “your” means, as applicable, the purchaser and the person or persons who have received the Card and are authorized to use the Card as provided for in this Agreement.

“We,” “us,” “our,” and “Issuer” mean CFSB or the Bank, and its successors, affiliates or assignees, and Alviere.

2. General Terms and Conditions

2.1 Use of the Card

The Card is redeemable for purchases of goods and services in-person, online, and over the phone, where accepted. The full amount of each purchase, including taxes, will be deducted from the funds held on the Card, up to the total funds available on the Card. The Card is not a credit card and cannot be used as one. Your use of the Card is limited to the amount of funds available on the Card. The Card is non-reloadable, and you cannot increase the funds on the Card.

2.2 Accessing Funds and Limitations

You may use your Card to obtain goods or services wherever the Card is honored in the United States, as described in Section 2.1 above. Each time you use your Card, you authorize us to reduce the value available on your Card by the amount of the transaction.

Your Card cannot be:

1. redeemed for cash or quasi-cash (for example, gaming chips, money orders, deposits, wire transfers, traveler’s checks, foreign currency and similar items);
2. used to obtain cash in any transaction, except as required by Applicable Law;
3. used for illegal transactions;
4. used to make foreign transactions

For security reasons, we may limit the amount or number of transactions you can make on your Card. We may refuse to process any transaction that we believe may be fraudulent or violate the terms of this Agreement. YOU ARE NOT ALLOWED TO EXCEED THE BALANCE OF FUNDS AVAILABLE ON YOUR CARD. If you attempt to use the Card when there are insufficient funds associated with it, the transaction will generally be declined. Nevertheless, if a transaction that exceeds the balance of the funds available on your Card occurs due to a systems malfunction or otherwise, you will remain fully liable to us for the amount of the transaction. If you do not have enough funds available on your Card, you may be able to instruct the merchant to perform a ‘split transaction’ to charge part of the purchase to the Card and pay the remaining amount with another form of payment. Some merchants do not allow cardholders to conduct split transactions. Some merchants will only allow you to do a split transaction if you pay the remaining amount in cash.

If you use your Card number without presenting your Card (such as for an internet transaction, a mail order or a telephone purchase), the legal effect will be the same as if you used the Card itself.

Your card is valid in the U.S. only. It cannot be used at merchants outside of the United States, including internet and mail/telephone order merchants outside of the United States.

2.3 No Monetary Value

The Card has no monetary or other cash value. The Card cannot be used at automated teller machines (ATMs) or for cash-back at any merchant.

2.4 Eligibility

The Purchaser of the Card will advise us of the name of the Recipient. Otherwise You may not sell, assign, or otherwise transfer the Card to another person. You agree to use the Card only for legitimate purchases of goods and services not for the purpose of obtaining cash from an establishment. You may not return goods and services obtained with the Card for a cash refund.

2.5 Account Balance

You may obtain information about the amount of money you have remaining in your Card account at no charge by contacting Cardholder Support at 866-287-7054. This information, along with a 12 month history of account transactions, is also available by calling 866-287-7054. You also have the right to obtain a twelve (12) month written history of your Card transactions by contacting Customer Service.

2.6 Overdrafts

You are not authorized to use the Card for transactions of an amount more than the available funds of the Card. If, for any reason whatsoever, a transaction is processed despite insufficient available funds on the Card (creating a “negative” amount, referred to herein as a “Shortage”), you agree to reimburse us, upon request, for the amount of the Shortage.

It is your responsibility to know the amount of funds available on the Card at the time of purchase. To obtain your fund availability, contact Cardholder Support at 866-287-7054. If your desired purchase amount is greater than your available funds, the merchant may be willing to accept supplemental payment which may be made using any credit card or other form of payment accepted by the merchant.

2.7 Personal Identification Number (PIN)

If you wish to make PIN debit purchases, please use the PIN that was mailed with the Card. You may also request a PIN by calling Cardholder Support at 866-287-7054. Cards are not accepted at ATMs and cannot be used to obtain cash in any purchase transaction. You should not write or keep your PIN with your Card. Never share your PIN with anyone and do not enter your PIN into any terminal that appears to be modified or suspicious. If you believe that there has been unauthorized access to your PIN, you should advise us immediately, following the procedures in the section labeled “Unauthorized Transactions”.

2.8 Returns and Refunds

If you are entitled to a refund for any reason for goods or services obtained with your Card, the return and refund will be handled by the merchant. If the merchant credits your Card, the credit may not be immediately available. While merchant refunds post promptly upon receipt , please note that we have no control over when a merchant sends a credit transaction and the refund may not be available for a number of days after the date the refund transaction occurs. You may wish to retain receipts as a record of transactions. Receipts will be required if you need to verify a transaction.

2.9 Authorization Holds

You do not have the right to stop payment on any purchase transaction originated by use of your Card, except to the extent you have a right to stop payment under Applicable Law. With certain types of purchases (such as those made at restaurants, hotels, gas stations or similar purchases), your Card may be “preauthorized” for an amount greater than the transaction amount to cover gratuity or incidental expenses. 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. During this time, you will not have access to preauthorized amounts on hold. If you authorize a transaction and then fail to make a purchase of that item as planned, the approval may result in a temporary hold for that amount of funds.

3. Electronic Funds Transfer and Special Terms and Conditions

3.1 Electronic Funds Transfer Services

Types of Electronic Funds Transfers Available:

1. Your Card will be loaded on a one-time basis in the amount chosen by the purchaser of the Card (subject to any applicable caps); the amount loaded on the Card is the amount of funds on your Card upon your receipt of the Card. The Card is not reloadable.

2. You may authorize another party, such as a merchant, using your Card number to electronically withdraw funds on a one-time basis directly from your Card.

3. You may use the Card to make purchases at merchants that accept the Card on a one-time basis. You may not however use the Card to obtain cash at ATMs or cash back at POS terminals.

Limitations on Transfers, Amounts and Frequency of Transactions:

At Bank’s discretion, the number and amount of transactions per day or month may be limited. At this time, there are no limits on the number or amount of purchases at merchants that accept the Card other than the available balance on the Card.

Confidentiality: We will disclose information to third parties about your Card or the transactions you make: (i) where it is necessary for completing transactions, or (ii) in order to verify the existence and condition of your Card for a third party, such as a merchant , or (iii) in order to comply with government agency or court orders, or (iv) if you give us your written permission.

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 Cardholder Support at 866-287-7054

2. Receipts: You can get a receipt at the time you make any Card transaction at a merchant, except where Applicable Law does not require a receipt. The receipt shall set forth the following information, as applicable: The amount of the transaction; a transaction fee may be included in this amount provided the amount of the fee is disclosed on the receipt and displayed on or at the terminal. The date you initiate the transaction. A number or code that identifies the consumer’s account or the access device used to initiate the transaction. The location of the terminal where the transaction is initiated, or an identification such as a code or terminal number. Except in limited circumstances where all terminals are located in the same state or city, if the location is disclosed it shall include the city and state and one of the following: (a) the street address; or (ii) a generally accepted name for the specific location; or (iii) the name of the owner or operator of the terminal if other than the account holding institution.

3.2 Preauthorized Transfers (Recurring Payments)

Right to Stop Payment of Preauthorized Transfers and Procedure for Doing So

Recurring payments are not permitted with your Card.

3.3 Consumer Liability for Unauthorized Transfers

Contact Cardholder Support IMMEDIATELY if you believe your Card or PIN number has been lost or stolen, or if you believe that an electronic fund transfer has been made without your permission. Calling us at 866-698-8863 or emailing us at sandboxx-giftcard@alviere.com is the best way to keep your possible losses down. You could lose all the money on your Card.

If you tell us within two (2) business days after you learn of the loss or theft of your Card or PIN, you can lose no more than $50 if someone used your Card or PIN without your permission.

If you do NOT tell us within two (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 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 transaction history (if the unauthorized transaction could be viewed in your electronic history or by phone) 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 period.

Contact in event of unauthorized transfer: If you believe your Card or PIN has been lost or stolen, call us at 866-698-8863 or email us at sandboxx-giftcard@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).

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 such as your Card. 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 transaction history (if the unauthorized transaction could be viewed in your electronic history or by phone), or the date we sent the FIRST written history of your transactions on which the unauthorized transaction appeared.

3.3 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 to complete the Card transaction;

2. If a merchant refuses to accept the Card;

3. 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;

4. If access to your Card or PIN has been blocked after you reported your Card or PIN;

5. If there is a hold on your funds in your Card, or your Card Account funds are subject to legal or administrative process or other encumbrance restricting their use;

6. If we have reason to believe the requested Card transaction is unauthorized;

7. 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

8. Any other exception stated in our Agreement with you.

3.4 Information About Your Right to Dispute Errors

In Case of Errors or Questions about your Electronic Transactions, Telephone us at 866-698-8863, send us an email at sandboxx-giftcard@alviere.com or by mail at 1040 S Gaylord St. Denver, CO 80209 as soon as you can, if you think an error has occurred on your Card or you think your transaction history or receipt is wrong or if you need more information about a transaction in your transaction history or receipt.

We must hear from you no later than 60 days after the date that you electronically or by phone access your Card transaction history (if the error could be viewed in your electronic transaction history or available by phone). 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 going back 12 months at any time by emailing us at sandboxx-giftcard@alviere.com. You will need to tell us:

• Your name, Card number and email address associated with your Card (if any);

• 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

• 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, we will credit your 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 your complaint or question in writing and we do not receive it within ten (10) business days, we may not credit your account.

For errors involving new 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 accounts, we may take up to twenty (20) business days to credit your 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 Cardholder Support.

If you need more information about our error-resolution procedures, call us at 866-698-8863.

4. Fees

We may amend or change the terms and conditions of this Agreement at any time, including fees, subject to Applicable Law.

You agree to pay the Card fees set forth below. All the fees will be debited from your Card and will be assessed as long as there is a remaining balance in your Card to the extent permitted by Applicable Law. If at any time your remaining Card balance is less than the fees being assessed, the balance of your Card will be applied to the fees resulting in a zero balance on your Card.]

Summary of Fees:

monthly fees

$0.00

per purchase

$0.00

atm fees

$0.00

card reload fees

$0.00

*Cards cannot be used at ATMs

**Cards are not reloadable

ATM balance inquiry* $0.00

Cardholder Support (automated or live agent) $0.00

Inactivity (after 12 consecutive months of no transactions) $5.00/month***

We charge other types of fees. Here are some of them:

Replacement card for expired Card $0.00

Replacement card for lost or stolen Card $6.00

We charge other types of fees.
***Cards sold in AZ, CT, HI, LA, ME, NH, NJ, RI and VT do not incur inactivity fees.

No overdraft/credit feature.
Your funds are not eligible for FDIC insurance. Treat this Card like cash.

For general information about prepaid accounts, visit cfpb.gov/prepaid. Find details and conditions for all and services in the complete fee schedule below.

Financial Institution: Community Federal Savings Bank, Member FDIC
Name of the Prepaid Account Program:
Program Manager: Mezu (NA), Inc. dba. Alviere

LONG FORM FEE SCHEDULE:

All fees	Amount	Details
Get started
Initial Card purchase/Activation fee	$25 card = $2.95 $50 card = $2.95 $100 card = $3.95 $200 card = $4.95	There is a charge for an initial physical Card purchase and activation.
Replacement card for lost or stolen card	$6.00	If you need to replace your physical card if it is lost or stolen or otherwise needs to be replaced, you will be assessed this fee. You will not be charged a fee to replace an expired card.
Monthly usage
Active Monthly fee	$0.00	There is not a monthly fee while your account is active.
Inactivity Monthly	$5.00	You will be charged $5.00 each month after you have not completed a transaction using your account or card for 12 consecutive months. Cards sold in AZ, CT, HI, LA, ME, NH, NJ, RI and VT do not incur inactivity fees.
Add money: The Card is not reloadable
Spend money: The Card has no fees per transaction made by cardholder
Get cash: The Card cannot be used at ATMs
Information
Cardholder Support (automated)	$0.00	No fee for calling our automated cardholder support line, including for balance inquiries.
Cardholder Support (live agent)	$0.00	No fee for calling.
Card balance inquiry	$0.00	No fee for calling.
Using your card outside the U.S.: The Card cannot be used outside of the U.S.
Other
	$0.00

5. Cardholder Support

Cardholder Support for your Card is handled by Brand Assignor, Alviere or a service provider of Alviere. For questions about your Card, you may contact Cardholder Support for your Card by calling the toll-free number provided on the back of the Card. Brand Assignor may provide you access to Card Support for your Card through the Partner System at their sole discretion.

6. Communications

In addition, if you provide Brand Assignor, us or one of our service providers with your email address or phone number or contact us from your email or phone number, you agree that CFSB, Alviere, Brand Assignor or any other third party acting on our behalf to contact you at this email address or phone number. You agree that we may use your email address or phone number to contact you for any business purpose about your Card and you agree to be responsible for any fees or charges you incur as a result of providing this information. We may offer options that allow you to receive or access text messages or other electronic communications from your mobile phone. By enrolling for these types of communications, you understand and agree to be responsible for any fees or charges you incur from your mobile phone carrier as a result of this enrollment.

You agree that we may contact you from time to time regarding your Card in any manner we choose unless the Applicable Law says we cannot. Our contacts with you about your Card are not unsolicited. We may monitor or record any conversation or other communication with you as permitted under Applicable Law.

7. English Language Controls

The meanings of terms, conditions and representations herein are subject to definitions and interpretations in the English language. Any translation provided shall accurately represent the information in the original English.

8. Waiver

We do not waive our rights by delaying or failing to exercise them at any time. To the extent permitted by Applicable Law and as permitted by the Agreement to arbitrate in Section 10.2 below, you agree to be liable to us for any loss, costs, or expenses that we may incur as a result of any dispute or legal proceeding involving your Card or your Account.

9. 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 CFSB or Alviere, regardless of your location.

10. Jury Trial Waiver and Agreement to Arbitrate and Class Action Waiver

10.1 Jury Trial Waiver

To the extent permitted by Applicable Law, you and we knowingly and voluntarily waive any right to trial by jury in the event of litigation arising out of or related to this agreement. This Jury Trial Waiver does not modify in any fashion the Arbitration Clause set forth in the following section, which contains its own jury trial waiver.

10.2 Agreement to Arbitrate and Class Action Waiver

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 the 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 (800) 801-6703 TO CLOSE THE ACCOUNT.

11. Privacy

By requesting, activating or using the Card, you agree to the Privacy Policy included in the materials provided to you with the Card.

12. Miscellaneous

12.1 Card Replacement and Card Expiration

You should safeguard the Card as if it were cash. Cards cannot be replaced or reissued if lost or stolen unless you provide verifiable proof of eligibility deemed sufficient by Brand Assignor or us in our discretion. If you need to replace your Card for any reason, please contact Customer Service. A replacement card due to loss or theft may be subject to a fee. Please note that your Card has a “Valid Thru” date on the front of the Card. You may not use your Card after the “Valid Thru” date. However, even if the “Valid Thru” date has passed, the available funds on your Card do not expire. You will not be charged a fee for replacement cards that we send due to the expiration of the Card.

12.2 Abandoned Property

Although the underlying funds on your Card never expire, to the extent permitted by law, the funds on your Card can be subject to state unclaimed property laws after a certain period of Card inactivity under applicable state laws. If and where required by Applicable Law we may terminate your Card after Applicable Law provides your funds have been abandoned and escheat (send) your unclaimed funds to the state with jurisdiction over such abandoned funds. The specified period of time to report and send abandoned funds Card to such jurisdiction varies on a state-by-state basis.

12.3 Severability

If a court finds any provision of this Agreement invalid or unenforceable such finding shall not make the rest of this Agreement invalid or unenforceable. To the fullest extent possible, any such provision shall be deemed to be modified so as to be rendered enforceable or valid; however, if such provision cannot be so modified, it shall be stricken and all other provisions of this Agreement in all other respects shall remain valid and enforceable.

12.4 Amendment and Cancellation

We may amend or change the terms and conditions of this Agreement at any time, subject to Applicable Law. You will be notified of any change in the manner required by Applicable Law. If the change is made for security purposes or if advanced notification is not required by Applicable Law, we may implement such change without prior notice.

12.5 Assignment

You may not assign or transfer your Card and your obligations under this Agreement to any other person or entity unless other permitted under this Agreement. We may assign or transfer our rights under this Agreement. Use of your Card is subject to Applicable Law. We do not waive our rights by delaying or failing to exercise them at any time. Notwithstanding the foregoing, this Agreement shall be binding on you, your authorized users, your heirs, your executors, administrators, guardians, personal representatives, or trustee in bankruptcy.

13. Last Modified

This Agreement was last modified on February 10, 2023.

e-Sign Disclosure and Consent Notice

This E-Sign Disclosure and Consent Notice (this “Notice”) describes how Mezu (NA), Inc. dba Alviere (“Alviere” or “we”) delivers Communications to you electronically. We may amend this notice at any time by posting a revised version that will be effective at the time we post it.

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 1040 S. Gaylord St, Denver, CO 80209 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, the Account Services Agreement, and / or the Cardholder Agreement, in which case you will no longer be able to use your Account. 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.

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.

“Transaction” means any financial transaction initiated by you through your Account.

CFSB Privacy Policy

Alviere Privacy Policy

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”), 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 the Brand Assignor so you should review those policies carefully.

When visiting or using our website (“Website”) or using the Brand Assignor’s mobile application or website application (the “App”) 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.

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 Brand Assignors 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 Brand Assignors. However, with regard of our sharing of Financial Information with Brand Assignors, 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 your 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 Brand Assignors 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.

• The Brand Assignor 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 Brand Assignors, 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-in or opt-out of information sharing, please contact us at privacy.us@alviere.com. You may also be able to change your privacy preferences in the settings section/tab of the App, if such functionality is available. 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-IN/OPT-OUT RIGHTS

If you prefer that we expand or limit sharing with affiliates or nonaffiliated third parties as described herein, you may opt-in (for California, North Dakota, and Vermont consumers only, see below) or 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 Advertising and social networks Data analytics providers The Bank Brand Assignors 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 Purposes Authentication Analytics Web Traffic Analysis Advertising Analysis of Promotions Safety	Government entities Auditors Advertising and social networks Internet service providers 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 Purposes 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;

• 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 January 6, 2023.

CCPA

15. Your California Privacy Rights

Email privacy.us@alviere.com

Mail to:

Attn: Alviere Privacy Dept.

PMB 816, 14422 Shoreside Way, Suite. 110

Winter Garden, FL 34787

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.

Schedule of Fees

1. Fees

We may amend or change the terms and conditions of this Agreement at any time, including fees, subject to Applicable Law.

Summary of Fees:

Monthly Fee

$0.00

Monthly Fee

$0.00

Monthly Fee

$0.00*

Monthly Fee

$0.00**

*Cards cannot be used at ATMs
**Cards are not reloadable

ATM balance inquiry* $0.00

Cardholder Support (automated or live agent) $0.00

Inactivity (after 12 consecutive months of no transactions) $5.00/month***

We charge other types of fees. Here are some of them:

Replacement card for expired Card $0.00

Replacement card for lost or stolen Card $6.00

We charge other types of fees.

***Cards sold in AZ, CT, HI, LA, ME, NH, NJ, RI and VT do not incur inactivity fees.

No overdraft/credit feature.

Your funds are not eligible for FDIC insurance. Treat this Card like cash.

For general information about prepaid accounts, visit cfpb.gov/prepaid. Find details and conditions for all and services in the complete fee schedule below.

Financial Institution: Community Federal Savings Bank, Member FDIC

Name of the Prepaid Account Program:

Program Manager: Mezu (NA), Inc. dba. Alviere

LONG FORM FEE SCHEDULE:

All fees	Amount	Details
Get started
Initial Card purchase/Activation fee	$25 card = $2.95 $50 card = $2.95 $100 card = $3.95 $200 card = $4.95	There is a charge for an initial physical Card purchase and activation.
Replacement card for lost or stolen card	$6.00	If you need to replace your physical card if it is lost or stolen or otherwise needs to be replaced, you will be assessed this fee. You will not be charged a fee to replace an expired card.
Monthly usage
Active Monthly fee	$0.00	There is not a monthly fee while your account is active.
Inactivity Monthly	$5.00	You will be charged $5.00 each month after you have not completed a transaction using your account or card for 12 consecutive months. Cards sold in AZ, CT, HI, LA, ME, NH, NJ, RI and VT do not incur inactivity fees.
Add money: The Card is not reloadable
Spend money: The Card has no fees per transaction made by cardholder
Get cash: The Card cannot be used at ATMs
Information
Cardholder Support (automated)	$0.00	No fee for calling our automated cardholder support line, including for balance inquiries.
Cardholder Support (live agent)	$0.00	No fee for calling.
Card balance inquiry	$0.00	No fee for calling.
Using your card outside the U.S.: The Card cannot be used outside of the U.S.
Other
	$0.00

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For Friends & Family

For Recruits

For Military Commands

Learn

About

Become a Partner

Support