CARDHOLDER AGREEMENT
Important. Please Read Carefully.
 
1. Terms and Conditions for the Visa Gift Card
This document constitutes the agreement (“Agreement”) outlining
the terms and conditions under which a Prepaid Visa Gift
Card has been issued to you. By accepting and using this Card,
you agree to be bound by the terms and conditions contained in
this Agreement.
 
Until you sign the Card, you may present the card to another
person for their use. You should give that person a copy of these
Terms and Conditions and that person should then sign the
Card and will become subject to these terms and conditions.
However, once you sign the Card, it is for your use only. You are
wholly responsible for the use of each Card according to the
terms of this Agreement. If you are not going to give the card to
another person, please sign your Card immediately.
In this Agreement, “Card” means the Prepaid Visa Gift Card
issued to you by MetaBank®, Member FDIC. “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”, “our”, and “Bank” mean MetaBank, our successors,
affiliates or assignees. The Card will remain the property of
MetaBank and must be surrendered upon demand. The Card
is nontransferable, and it may be canceled, repossessed, or
revoked at any time without prior notice subject to applicable
law. Please read this Agreement carefully and keep it for future
reference.
 
Always know the exact dollar amount available in your card
account. Available funds is the balance of your card account
less any authorization holds for transactions that have not yet
been settled by a merchant. Merchants may not have access
to this information and cannot determine the balance in your
card account. Free access to check your balance is available
at www.diningeverywheregift.com (the “Card Website”) or by
calling 1 (877) 341-5484.
 
2. Definitions
The Card is a Prepaid Card. The funds associated with your Card
are not held on your Card; instead, they are held in a card account
at a bank. The Card allows you to access the funds held in that
card account. Your Card is NOT a Credit Card. Your Card is NOT
a checking, savings, or other demand deposit bank account. The
funds in your card account will be FDIC insured provided your
Card is registered by going to the Card Website
(www.diningeverywheregift.com) or by calling 1 (877) 341-5484.
 
3. Using Your Card
Making Purchases. You may use your Card to obtain goods or
services wherever the Card is honored except where a manual
imprint is required. You may not use your Card to obtain cash,
for illegal transactions, at casinos, or for online gambling
activity. If you permit someone else to use your Card, we will
treat this as if you have authorized such use, and you will be
responsible for any transactions made subject to such use.
If you use your Card number without presenting your Card (such
as for a mail order, telephone or internet purchases), the legal
effect will be the same as if you used the Card itself. Payment
for pay-at-the-pump stations should be made inside. For security
reasons, we may limit the amount or number of transactions
you can make on your Card. You do not have the right to stop
payment on any transaction made with your Card.
 
You will receive a Personal Identification Number (“PIN”) with
your Card Account. When you receive your Card, your PIN will be
the last four digits of the Card number. For security, we suggest
you change your PIN so that only you will know it. To change your
PIN, call 1 (877) 341-5484 or visit www.diningeverywheregift.
com. You should not write or keep your PIN with your Card.
Never share your PIN with anyone. When entering your PIN, be
sure it cannot be observed by others and do not enter your PIN
into any terminal that appears to be modified or suspicious. If you
believe that anyone has gained unauthorized access to your PIN,
you should advise us immediately following the procedures in the
paragraph labeled “Your Liability for Unauthorized Transfers.”
Negative Balances. Each time you use your Card, you authorize
us to deduct the amount of the transaction from the balance of
the funds in your card account. YOU ARE NOT ALLOWED TO
EXCEED THE BALANCE OF THE FUNDS AVAILABLE IN YOUR
CARD ACCOUNT. If you attempt to use the Card when there are
insufficient funds associated in your card account, the transaction
will generally be declined. Nevertheless, if a transaction that
exceeds the balance of the funds available in your card account
occurs due to a systems malfunction or otherwise, you shall
remain fully liable to us for the amount of the transaction.
 
Split Transactions. If you wish to use your Card for a purchase
which is greater than the balance of the funds available in your
card account, you can request the merchant to charge a part
of the purchase to the Card and pay the remaining amount with
cash or another Card. These are called split transactions. Some
merchants do not allow split transactions. Some merchants will
only allow you to do a split transaction if you pay the remaining
amount in cash.
 
Authorization Holds. 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 ten (10) days.
Car rentals, hotels and other service oriented merchants may
choose to factor in additional amounts upon check-in, and it
may take up to sixty (60) days after your stay or your rental to
have any excess amounts held by the hotel or rental company
added back to your available balance. Similarly, some gas
stations may factor in addition amounts to cover potential filling
of the tank; if you want to avoid such a hold, you may want to
pay inside the gas station, instead of paying at the pump.
Some restaurants and some other service-oriented merchants
may factor in an additional 20% (or more) to cover any tip
you may leave on the purchase. If this occurs, and your total
bill, after adding in the additional 20% (or more), exceeds the
amount available in your card account, your transactions will be
declined. Accordingly, you may want to ensure that your card
account has an available balance that is 20% (or more) greater
than your total bill prior to using your Card.
 
4. 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 to the extent allowed by law. It may take up to
seven (7) days for the amount of the refund to be credited to your
Card unless otherwise required by applicable law.
 
5. Foreign Transactions
You are not allowed to make foreign currency transactions with
your Card.
 
6. Receipts
You should get a receipt at the time you make a transaction
using your Card. You agree to retain your receipt to verify your
transactions.
 
7. Our Liability for Failure to Complete Transactions
We will not be liable:
• If, through no fault of ours, you do not have enough funds
available in your card account to complete the transaction;
• If a merchant refuses to accept your Card;
• 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;
• If access to your Card has been blocked after you reported
your Card lost or stolen;
• If we have reason to believe the requested transaction is
unauthorized;
• If circumstances beyond our control (such as fire, flood or
computer or communication failure) prevent the completion
of the transaction, despite reasonable precautions that we
have taken; or
• Any other exception stated in our Agreement with you.
 
8. No Warranty Regarding Goods and Services or
Uninterrupted Use.
We are not responsible for the quality, safety, legality, or any
other aspect of any goods or services you purchase with your
Card. From time to time the Card service may be inoperative,
and when this happens, you may be unable to use your Card or
obtain information about your balance. Please notify us if you
have any problems using your Card. You agree that we are not
responsible for any interruption of service.
 
9. Periodic Statements
You may obtain information about the amount of money you
have remaining in your Card account by calling 1 (877) 341-
5484. This information, along with a sixty (60) day history of
account transactions, is also available online at www.diningeverywheregift.
com. You also have the right to obtain a sixty (60)
day written history of account transactions by calling 1 (877)
341-5484 or by writing us:
 
Blackhawk Network, ATTN: Customer Service
10615 Professional Circle, Suite 102, Reno, NV 89521
 
10. Your Liability for Unauthorized Transactions;
Disputed Transactions
You agree to safeguard the Card and treat it like cash. The
Card can be replaced if it is lost or stolen or if you believe that
an electronic fund transfer has been made without your permission,
with certain restrictions. You should call 1 (877) 341-
5484 immediately to report a lost or stolen Card. Your liability
for unauthorized transactions that take place on the Visa system
is Zero dollars ($0) (“Visa Zero Liability” policy). You will be
required to provide your name, the Card number, original value,
and transaction history. We may require you to provide a written
statement regarding claims of unauthorized transactions.