Transfers4Less International

Terms and Conditions

T4L FamilyCash™ Prepaid MasterCard^® Card Cardholder Agreement>

Offered through Transfers4Less International, LLC Issued by New Millennium Bank

Welcome! Please take time to read this document. It contains the terms and conditions that will govern your use of the T4L FamilyCash MasterCard Stored Value Card (the “Card”). These terms and conditions include a privacy policy, a provision for arbitration (as indicated in the Notice below), and a schedule of fees and charges for the issuance, maintenance and use of your Card. By accepting, signing, using (sometimes referred to as making “transfers”), or adding value to (sometimes called “loading”) the Card, you agree to be bound by these terms and conditions. So be sure to keep this Agreement for your records.

Notice Of Arbitration Provision And Right To Reject It. This Agreement contains an arbitration provision which appears below. Before accepting, signing, using or adding value to the Card, you should read it carefully. Unless you reject it in the manner described below, it may have a substantial impact on the way in which you or we or the Issuer resolve any claim that we have against each other.

GENERAL TERMS AND CONDITIONS

Definitions
Accept as otherwise provided in this Agreement, “Issuer” means New Millennium Bank, which issues the Card. “You” and “your” refers to the person who applies for and obtains a Card from the Issuer. “We,” “us” and “our” refers to Transfers4Less International, LLC “Website” refers to the site found at www.T4LCard.com or any successor site that we or the Issuer may designate with notice to you.

Applying for a Card and Identity Verification
To apply for the Card, you must be at least eighteen years old and you must have a physical address in the United States (an address where you reside, not a post office box or an address for receipt of mail). You must also apply by yourself. Joint applications will be declined by the Issuer.

When you apply for a Card, you will be asked for your name, address, date of birth, and other personal information that will allow the Issuer to verify your identity. You may also be asked to provide your current driver’s license, an unexpired government- issued identification card that contains your photograph, or other identifying documents. The Issuer may decline your application if it is not able to fully verify
your personal information.

Credit or Information Inquiries
You authorize us and the Issuer to make such credit, employment, and investigative inquiries as we or the Issuer deem appropriate in connection with your application for, the issuance of and your use of the Card. We or the Issuer can furnish information to consumer reporting agencies and others who may properly receive that information.

Card Description
The Card is a MasterCard stored value card. It contains information about amounts that you can use to purchase goods or services or to obtain cash. This information is referred to as
the “stored value” or the “value stored” on your Card. The Card only accesses this stored value. It is neither a credit card nor a debit card. The value stored on the Card is not held by the Issuer in an individual checking, savings, or other consumer asset account in your name. Instead, the value of all Cards is held by the
Issuer in an aggregate account. The Issuer does not pay interest on the value stored on your Card and that value is not FDIC-insured.

Loading Value on Your Card
Once your application is approved, you must load an initial stored value on your Card. This amount is in addition to any fees assessed in connection with your application for and the issuance of your Card. You must load this amount at the T4L FamilyCash Payment Processor or Retail Distributor from which you will obtain the Card.

Thereafter, you can load additional value to the Card at any authorized T4L FamilyCash Payment Processor or Retail Distributors. You will be assessed load fees and convenience fees in connection with any subsequent addition of value to the Card.

There are limits on the value you can load on your Card and on how you pay for that value. The minimum amount that you can load at any time is $10.00. The maximum amount that
you can load at anytime is $2,500.00. The maximum stored value on the Card at any time is $2,500.00. All payments for value must be in cash.

To find the T4L FamilyCash Payment Processor or Retail Distributor nearest you, call us at the Customer Service telephone number listed below or visit our website.

Activating Your Card
After you have loaded the initial stored value on your Card, you can activate your Card and obtain a Personal Identifi cation Number (“PIN”) which you select by calling (866) 450- 0209.

Using Your Card
Once the Card is activated, you may use the Card to pay for purchases from participating merchants or point of sale terminals (“POS”) that accept the Card or to make payments or obtain cash from fi nancial institutions or automated teller machines (ATMs) that accept the Card. You may use the Card by presenting the Card in person, or, when permitted to do so, by giving your name, the Card number, the expiration date, and any additional information requested. Merchants, financial institutions, and ATMs that accept the Card will display the MasterCard or Cirrus logo.

Use of the Card May Not Exceed the Stored Value
If the value stored on your Card is not enough to pay for a purchase or cash transaction, then let the merchant or fi nancial institution know ahead of time. If the merchant or fi nancial institution consents, then you may be able to pay the difference between the value stored on your Card and what you owe the merchant or fi nancial institution by giving the merchant or fi nancial institution cash for the difference.

Otherwise, you may not use your Card to make a purchase or to make a payment or obtain cash in excess of the value stored on your Card. If for any reason a purchase or cash transaction occurs which exceeds the value on the Card, you are responsible for repaying the Issuer in full the amount by which the transaction has exceeded the value stored on your Card.

In addition, there are circumstances where all of the value stored on the Card will not be available to you. This may happen because of a merchant preauthorization or hold.

Merchant Preauthorizations and Holds I
n some cases, when you present your Card to a merchant, such as a hotel, car rental company, or restaurant, the merchant may obtain a preauthorization for the transaction. When a merchant does this, a hold is placed on the value on the Card in the amount of the preauthorization requested by the merchant.

The hold will normally expire when you pay for the transaction using the stored value on your Card. However, if the transaction costs less than the amount on hold, the difference may be available to you for up to thirty days. Similarly, if you cancel the transaction, or make other arrangements for payment, the amount on hold may be available to you for up to thirty days.

Using Your Card at POS Terminals and ATMs
You must follow certain procedures to use your Card at POS terminals and ATMs. You must select “Credit” not “Debit” when using your Card at self-service POS terminals, like those at grocery or convenience stores. You must select “Credit Card” when using your Card to obtain cash at ATMs.

Limitations on Cash Withdrawals at ATMs
You may obtain only two cash withdrawals from ATMs in any 24-hour period. For security reasons, there may be other limits on the number and dollar amount of transactions with the Card.

Conversion to U.S. Dollars
If you use the Card for a transaction in a currency other than U.S. dollars, MasterCard International will convert the transaction amount into a U.S. dollar amount by using its currency conversion procedure. Under this procedure, the non-U.S. dollar amount is multiplied by a currency conversion rate to obtain a U.S. dollar amount.

The currency conversion rate that MasterCard International typically uses is either a government- mandated rate, or a wholesale rate provided to it, increased by a percentage or margin or fee. This percentage or margin or fee is currently 1% and is charged directly by MasterCard International. It is subject to change without notice.

The currency conversion rate that MasterCard International uses for a particular transaction is the rate it uses for the applicable currency when the transaction is processed. This rate may differ from the rate in effect when the transaction occurred or when it is deducted from the value stored on the Card. This rate will not be disclosed on the statement that shows the transaction, please call customer service with any questions.

Fees and Charges for Your Card
There are fees and charges relating to your application for, the issuance of, and your use of the Card. Those fees and charges are set forth in a schedule at the end of this Agreement. Repayment of Amounts You Owe
The Issuer may automatically deduct any amount you owe under this Agreement any time value is loaded on the Card. If you fail to pay the Issuer for any amount you owe under this Agreement, then, to the extent permitted by law, you agree to pay any reasonable collection costs incurred by the Issuer in collecting that amount and, if the Issuer refers your obligation to a lawyer who is not a salaried employee of the Issuer, you agree to pay any reasonable attorneys’ fees incurred, plus the costs and expenses of any legal action.

Basic Safety Precautions
Follow these basic safety precautions with your Card:
(I.) As soon as you receive your Card, sign your name in the space on the back of the Card directly below the words “Authorized Signature.”
(II.) Do not write the PIN on the Card and do not disclose the PIN or otherwise make it available to anyone.
(III.) When using the Card and PIN, be alert to your surroundings.
(IV.) Do not use your Card and PIN if circumstances cause you to be apprehensive for your safety.
(V.) Close the entry door of any ATM facility equipped with a door.
(VI.) When you use your Card and PIN to get cash at an ATM, make sure that you place the cash in a secure place before leaving the ATM.

Direct complaints concerning ATM security to the operator of the ATM or to the New Jersey
Department of Banking. The telephone number for the New Jersey Department of Banking
is 609-984-2777.

Notices
We and the Issuer may send you notices and disclosures concerning your Card by U.S. mail. These notices and disclosures could include notices of changes to the terms and conditions that apply to your Card, notices of changes to the software or hardware required in order to access and retain copies of your Card statements that are posted on our website, Card cancellation notices, annual privacy policy disclosures, and other notices and disclosures.

You must notify us if your mailing address changes. P.O. Box 71402, Salt Lake City UT 84171 or by calling us at the Customer Service telephone number listed below. If you fail to do so, or if mail that is sent to the most recent address on fi le for your Card is returned as undeliverable, the Issuer may cancel your Card.

Canceling Your Card
The Issuer may cancel the Card at any time. If the Issuer cancels the Card, you will receive any remaining balance back in the form of a check, which will be mailed with in 30 days.

If you wish to cancel your Card, you may obtain the value stored on the Card, less a termination fee and less any other fees, charges or amounts due, by mailing your Card, along with a written request for the disbursement of the value remaining on your Card, to the Issuer at the Customer Service address below (or the address, if different, shown on your Card statement for errors and inquiries).

Cancellation of the Card will not affect any of your obligations arising under this Agreement prior to cancellation and will not affect the provision for arbitration.

In Case of Lost or Stolen Cards or PINs
If your Card or PIN has been lost or stolen, please follow the procedure outlined below and your Card or PIN will be replaced. If your Card is replaced, the value stored on the replacement Card will be reduced by the replacement card fee, any other fees, charges, or amounts due, and any use of the lost or stolen Card for which you are responsible.

If you believe your Card or PIN has been lost or stolen or that someone has transferred or may transfer value from your Card without your permission, contact the Issuer IMMEDIATELY at the Customer Service telephone number listed below or the Customer Service address listed below (or the address, if different, shown on your Card statement for errors and inquiries). Telephoning is the best way of keeping your possible losses down.

If you do NOT contact Customer Service within two business days after you learn of the loss or theft of your Card or PIN, and the Issuer can prove it could have stopped someone from using your Card without your permission if you had contacted Customer Service, you could lose as much as $50 (or, if less, the full amount of value stored on the Card).

Also, if your Card statement shows transfers that you did not make, contact Customer Service at once. If you do not tell the Issuer within 60 days after the Card statement was mailed to you, you may not get back any value stored on the Card that you lost after the 60 days if the Issuer can prove that it could have stopped someone from using the value stored on the Card if you had told the Issuer in time.

If a good reason (such as a long trip or a hospital stay) kept you from telling the Issuer, the Issuer will extend the time periods.

For purposes of these disclosures, the Issuer’s business days are Monday through Friday, excluding Federal and New Jersey holidays.

When You Will Not Be Liable for Use of Your Card
You will not be liable for the use of your Card without your permission, even if your Card was lost or stolen, if:
(i) You reasonably demonstrate to the Issuer that you exercised reasonable care in safeguarding your Card and PIN from risk of loss and theft; Your Card is in good standing (for example, not presently or recently overdrawn, and not presently or recently under suspicion of possible illegal or suspicious use); The Issuer has not received more than one other report of unauthorized use of your Card in the previous twelve months; and The unauthorized use of your Card was processed directly through MasterCard and not through the POS or ATM
network of an other financial institution or third party. However, you may still be liable for the use of your Card without your permission if we or the Issuer ask you for a written statement, affi davit or other information in support of your claim and you do not provide the statement, affidavit or information within the time requested or within a reasonable time if no time is requested.

Confidentiality
The Issuer may disclose information to third parties about your Card or the transfers you make:
(ii) Where it is necessary for completing transfers; or In order to verify the existence and condition of your Card for a third party, such as a credit bureau or merchant; or In order to comply with government agency or court orders or in connection with examinations by state and federal banking regulators, or In order to determine if your Card is being used by an unauthorized user or in a fraudulent manner; or
In order to resolve an error or an inquiry as to an alleged error; or
In order to collect amounts due or to report losses incurred; or
In order to comply with any agreement between the Issuer and a professional, regulatory,
or disciplinary body; or
In connection with potential sales of business; or
If permitted under applicable state and Federal privacy laws; or
If you give the Issuer your written permission.

Documentation
You can get a receipt when you use your Card at a POS terminal or ATM. No Preauthorized Transfers, Special Instructions or Stop Payment Orders The following restrictions apply to your use of the Card. You may not use your Card to make regular preauthorized transfers. You may not give any special instructions that would restrict or limit acceptance or use of the Card. And you may not stop any transfer made using the Card.

Liability for Failure to Complete a Transfer
If the Issuer has agreed to complete a transfer to or from your Card and does not do so on time or in the correct amount, the Issuer will be liable for your losses or damages. However, there are some exceptions. The Issuer will not be liable, for instance:
(I.) If, through no fault of the Issuer, you do not have enough value stored on your Card
to make the transfer or the value is blocked from access by legal proceedings or
otherwise subject to a hold; or
(II.) If the ATM where you are making the transfer does not have enough cash; or
(III.) If the ATM where you are making the transfer was not working properly and you knew
about the breakdown when you started the transfer; or
(IV.) If circumstances beyond the control of the Issuer (such as fire or flood) prevent the
transfer, despite reasonable precautions that that Issuer has taken; or
(V.) If you do not give your correct PIN when starting the transfer; or
(VI.) If your Card has deteriorated or been damaged so that it does not function properly;
or
(VII.) If you do not follow the procedures in this Agreement; or
(VIII.) If the transfer would not be within the daily limit described in the “Limitations on Using
Your Card” section of this Agreement; or
(IX.) If you or we and the Issuer have terminated this Agreement or canceled your Card;
or
(X.) If your Card or PIN has been reported lost or stolen; or
(XI.) If other exceptions occur as stated in this Agreement or as permitted or required by
applicable law.

In Case of Errors or Questions About Transactions
Telephone the Issuer at the Customer Service telephone number listed below, or write the Issuer at the Customer Service address listed below, or visit our website, print the dispute form and follow the instructions for using that form, as soon as you can, if you think a Card statement or POS or ATM receipt is wrong or if you need more information about a transaction listed on the Card statement or receipt. The Issuer must hear from you no later than 60 days after the Card statement on which the problem or error appeared was FIRST made
available to you.
The following information must be contained in that notice:

(i) Your name and the Card number.

A description of the error or the transaction you are unsure about and a clear explanation of why you believe it is an error or why you need more information.

The dollar amount of the suspected error.

If you telephone the Issuer (by using the Customer Service telephone number listed below), you must send your complaint or question in writing within ten business days to the Customer Service address listed below (or the address, if different, shown on your Card statement for errors and inquiries).

Generally, the Issuer will tell you the results of its investigation within ten business days after the Issuer hears from you and will correct any error promptly. Where appropriate, the Issuer may correct an error by crediting the value on the Card for the amount in error. However, you will not be entitled to interest on any amount deducted in error from the value on the Card.

If the Issuer needs more time, however, the Issuer may take up to 45 calendar days to investigate your complaint or question. If the Issuer needs this extra time, the Issuer will, within ten business days, credit the value on the Card for the amount you think is in error so that you will have use of the stored Value in question during the time it takes the Issuer to complete the investigation. If you are asked to put your complaint or question in writing and the Issuer does not receive written confirmation of your oral notice within ten business days, the Issuer will not credit the value on the Card.

For errors involving new Cards (generally Cards that have been issued for 30 days or less), point-of-sale, or foreign-initiated transactions, the Issuer may take up to 90 days to investigate your complaint or question. For new Cards (generally Cards that have been issued for 30 days or less), the Issuer may take up to 20 business days to credit the value on your Card for the amount you think is in error.

The Issuer will tell you the results within three business days after completing its investigation. If the Issuer decides that there was no error, it will end you a written explanation. You may ask for copies of the documents
that the Issuer used in its investigation.

Amendment
The Issuer may at any time, and from time to time, add to, delete from or modify the terms of this Agreement. To the extent permitted by applicable law, the Issuer may amend the terms of the Agreement regardless of whether the Card has expired or has been deemed abandoned. The Issuer will notify you of any change prior to the effective date of the change.

The Issuer may include any such notice in the same envelope with a statement of your Card activity and the value stored on your Card or as part of such a statement or in other materials sent to you.

Customer Service Contact Information
T4L FamilyCash Card c/o Trycera Financial
PO BOX 71402
Salt Lake City, UT 84171
E-mail: support@T4LCard.com
Web: www.T4LCard.com
Phone: (866) 450-0209

Applicable Law
Except as otherwise provided in this Agreement, this Agreement will be governed by Federal law and the laws of the State of New Jersey to the extent not preempted by Federal law.

Interpreting this Agreement
If any provision of this Agreement is deemed unlawful, void, or for any reason unenforceable, then that provision shall be deemed severable from this Agreement and it shall not affect the validity and enforceability of any remaining provisions.

The headings in this Agreement are only for convenient reference, and do not limit or define any rights or obligations of yours, of ours, or of the Issuer.

Any failure to enforce the strict performance of any provision of this Agreement will not be a waiver of the right to subsequently enforce such provision or any other provision of this Agreement.

Assignment of this Agreement
You may not assign the Card or your obligations under this Agreement to anyone else. The Issuer may assign its rights under this Agreement.

Survival
The provisions of the Agreement shall survive the cancellation or expiration of the Card and
any bankruptcy by you, to the extent consistent with bankruptcy law.

PRIVACY POLICY

General
This Privacy Policy is provided by us and by the Issuer. This Privacy Policy includes examples of the types of nonpublic personal information we and the Issuer collect and the kind of companies with whom we and the Issuer may share such information. These examples are illustrative and should not be considered a complete inventory of our information collection, use and sharing practices or those of the Issuer. In addition, you may have other privacy protections under some state laws.

Please note that this Privacy Policy will not apply to your independent relationships with other companies that may from time to time offer you products and services in conjunction with the Card. Those companies’ privacy policies will govern how they collect, use and disclose personal information that you choose to allow them to access.

Information We and the Issuer May Collect
In order to provide you with products and services you have requested, to service the Card, and as we and the Issuer deem appropriate to determine your eligibility for products or services, we and the Issuer collect or reserve the right to collect the following types of nonpublic personal information about you from the following sources:
· Information we and the Issuer receive from you (or that is provided to us on your behalf), including, but not limited to, your name, address, telephone number and date of birth;
· Information about your transactions with us, with the Issuer, or with others, such as Account balance, payment history, parties to transactions and Card usage;
· Information we and the Issuer receive from a consumer reporting agency, such as your creditworthiness and credit history.

Information We and the Issuer May Disclose and To Whom We and the Issuer May Disclose Information

Disclosures Permitted by Law
Both we and the Issuer may disclose all of the nonpublic personal information described above, as permitted by law. For example, we and the Issuer may use affiliates or vendors to perform services for us, such as providing customer assistance, processing your Account, preparing your Account statements and maintaining or developing software for us or the Issuer. We and the Issuer also may disclose information in response to requests from law enforcement agencies or state and federal banking regulators.

Disclosures for Joint Marketing Services
Both we and the Issuer may disclose all of the nonpublic personal information described above to companies that perform marketing services on our behalf including financial companies such as banks and insurance companies; non-fi nancial companies, such as direct marketers and mail houses; and others, such as membership organizations and others with whom we or the Issuer have joint marketing agreements.

Other Disclosures
In order to make available to you a wide variety of special non-fi nancial products and services, such as discount travel, discount movie tickets and discount shopping programs, both we and the Issuer may enter into arrangements with nonaffiliated parties to provide you with such special offers. We and the Issuer may disclose all of the nonpublic personal information described above to these parties who may want to offer their products and services to you, unless you opt out as described below.

Information Regarding Former Customers
We and the Issuer disclose nonpublic personal information about former Card customers with inactive Cards only in accordance with this Privacy Policy.

Our Security Procedures
We and the Issuer restrict access to nonpublic personal information about you to those employees whom we and the Issuer determine have a legitimate business purpose to access such information in connection with the provision of products or services to you. We and the Issuer maintain physical, electronic and procedural safeguards that comply with federal standards to guard nonpublic personal information about you.

Changes to this Privacy Policy
We and the Issuer reserve the right to modify or supplement this Privacy Policy at any time. If we or the Issuer make material changes, we or the Issuer, whichever one is making changes, will provide current customers with a revised notice that describes the new practices.

Your Right to Opt-Out of Other Disclosures to Nonaffi liated Third Parties
If you prefer that we and the Issuer not share nonpublic personal information about you with nonaffi liated parties as described under “Other Disclosures” above, you may opt out at any time by requesting us and the Issuer not to make those disclosures. To do so, call the Customer Service telephone number listed above. Your “opt-out” designation does not apply to “Disclosures Permitted by Law” or “Disclosures for Joint Marketing Services” described above or disclosures to which you have consented.· If you reside in a state (for example, California, North Dakota, or Vermont) that requires “opt-in” consent to the sharing of nonpublic personal information about you with nonaffi liated parties, then neither we nor the Issuer will share such information, unless otherwise permitted by law. Instead, both we and the Issuer will automatically treat you as if you had
opted-out of such sharing of information, without the need for you to call.· Once your request has been processed, it will remain in effect until you request a change. Please note that neither we nor the Issuer can accommodate special opt-out requests.

ARBITRATION PROVISION

General
This Arbitration Provision (the “Provision”) governs when and how disputes between you and us or between you and the Issuer will be arbitrated outside the court system. This Provision covers all Claims (defined below), except we and the Issuer will not elect to arbitrate an individual Claim brought by you in small claims court, unless that Claim is transferred, removed or appealed to a different court. Also, as described below, you have the right to reject this Provision in its entirety if you act within forty-five (45) days after the date you first accept, sign, use or add value to the Card, whichever comes first.

Definitions

“Claim” means any dispute between you and us or between you and the Issuer that arises from or relates in any way to the Card, this Agreement or the relationships resulting from this Agreement, including disputes concerning (1) any items you purchased with the Card; (2) advertisements, promotions, disclosures or documents relating to the Card; and (3) this Provision’s applicability or enforceability. It includes disputes based on constitutional provisions, statutes, regulations, ordinances, contracts, and acts of every type (whether intentional, fraudulent, reckless, or negligent). It includes disputes that seek relief of any type, including equitable relief or damages.

As solely used in the Provision, the terms “we,” “us” and “our” shall mean Transfers4Less International, LLC, its partners, wholly or majority-owned subsidiaries, affi liates, successors, assigns and any of their employees, officers and directors. As solely used in the Provision, the term “Issuer” shall mean New Millennium Bank, its parents, wholly or majority-owned subsidiaries, affi liates, successors, assigns or any of their employees, officers and directors. Said terms shall also include any third party providing any goods or services in connection with the issuance of, use of, or addition of value to the Card if such third-party is named as a co-party in any lawsuit fi led by you against us or the Issuer.

“Administrator” means the American Arbitration Association, 335 Madison Avenue, 10th Floor, New York, NY 10017, www.adr.org, (800) 778-7879; JAMS, 45 Broadway, 28th Floor, New York, NY 10006, www.jamsadr.com, (800) 352-5267; or the National Arbitration Forum, P.O. Box 50191, Minneapolis, MN 50191, www.arb-forum.com, (800) 474-3271, as the case may be.

Starting an Arbitration
To start an arbitration, you, we, or the Issuer must give written notice of an election to arbitrate a Claim. This notice may be given after a lawsuit begins and may be given in papers fi led in the lawsuit. If such a notice is given, the Claim shall be resolved by arbitration under this Provision and the rules of the Administrator in effect at the time the Claim is fi led with the Administrator. You can choose the Administrator in your written notice electing to arbitrate, or by giving written notice of your selection within 20 days after we or the Issuer notify you
of our or the Issuer’s election to arbitrate. If you do not do so, we or the Issuer will select the Administrator. If for any reason the selected Administrator cannot or will not serve, you will have 20 days to select a new Administrator. The arbitrator will be selected under the Administrator’s rules, except that the arbitrator must be a lawyer with at least ten years of experience or a retired judge.

Important Notice and Limitations
IF ARBITRATION IS CHOSEN BY ANY PARTY WITH RESPECT TO A CLAIM, NEITHER YOU NOR WE NOR THE ISSUER WILL HAVE THE RIGHT TO LITIGATE THAT CLAIM IN COURT OR HAVE A JURY TRIAL ON THAT CLAIM, OR TO ENGAGE IN PRE-ARBITRATION DISCOVERY EXCEPT AS PROVIDED FOR IN THE APPLICABLE ARBITRATION RULES OR BY THIS ARBITRATION PROVISION. EXCEPT AS SET FORTH BELOW, THE ARBITRATOR’S DECISION WILL BE FINAL AND BINDING. OTHER RIGHTS THAT YOU OR WE OR THE ISSUER WOULD HAVE IN COURT MAY ALSO NOT BE AVAILABLE IN ARBITRATION.

IF ARBITRATION IS CHOSEN BY ANY PARTY WITH RESPECT TO A CLAIM, NEITHER YOU NOR WE NOR THE ISSUER MAY PARTICIPATE IN A CLASS ACTION OR CLASSWIDE ARBITRATION, EITHER AS A REPRESENTATIVE OR MEMBER OF ANY CLASS OF CLAIMANTS, OR ACT AS A PRIVATE ATTORNEY GENERAL IN COURT OR IN ARBITRATION, PERTAINING TO ANY SUCH CLAIM (referred to hereinafter as the “Class Action Waiver”). Notwithstanding anything else in this Provision, the validity and effect of the Class Action Waiver shall be determined by the Court and not by an arbitrator. Furthermore, if the Class Action Waiver is invalidated in any legal proceeding in which you and we or the Issuer are involved, then this entire Provision shall be null and void.

Location and Costs
Any arbitration hearing that you attend will take place at a location reasonably convenient to your residence. If you cannot afford to pay the fees charged by the Administrator or arbitrator or if you believe that such fees are or will be prohibitively expensive or excessive, we or the Issuer will entertain in good faith any reasonable written request by you for us or the Issuer to pay or reimburse you for all or part of such fees. In any event, if applicable law requires us or the Issuer to pay or reimburse you for any such fees, such law will control.
In no event will you be required to reimburse us or the Issuer for any of the fees we or the Issuer have previously paid to the Administrator or arbitrator or for which we or the Issuer are responsible. Each party shall bear the expense of that party’s attorneys, experts and witnesses, regardless of which party prevails in the arbitration, unless applicable law and/or this Provision and/or this Agreement gives a party the right to recover any of those fees from the other party.

Governing Law for Arbitration Provision
This Agreement involves interstate commerce, and this Provision is governed by the Federal Arbitration Act (the “FAA”), 9 U.S.C. §1, et seq. The arbitrator shall apply applicable substantive law consistent with the FAA and applicable statutes of limitations and claims of privilege recognized at law and shall be authorized to award all remedies permitted by the substantive law that would apply if the action were pending in court. Upon the timely request of either party, the arbitrator must write a brief explanation of the basis for the award. In conducting the arbitration proceeding, the arbitrator shall determine the rules of procedure and evidence to apply, consistent with the arbitration rules of the Administrator and this Provision. The arbitrator will not be bound by, and this Provision shall not be subject to, the federal or any state or local rules of procedure and evidence or state or local laws that pertain specifically to arbitration proceedings.

Getting Information
In addition to the parties’ rights to obtain information under the Administrator’s rules, either party may ask the arbitrator for more information from the other party.

Effect of Arbitration Award
Any appropriate court may enter judgment upon the arbitrator’s award. The arbitrator’s decision will be final and binding, except for: (1) any appeal right under the FAA and (2) Claims involving more than $100,000. For the latter, any party may appeal the award to a three-arbitrator panel appointed by the Administrator, which will reconsider from the start any aspect of the initial award that is appealed. The panel’s decision will be fi nal and binding, except for any appeal right under the FAA. Unless applicable law provides otherwise, the appealing
party will pay the appeal’s costs, regardless of its outcome. However, we and the Issuer will consider any reasonable written request for us to bear the cost.

Partial Enforcement; Conflicting Terms; Survival
Except as described above, if any other portion of this Provision cannot be enforced, the rest of this Provision will continue to apply. In the event of any conflict or inconsistency between this Provision, and the Administrator’s rules or other provisions of this Agreement, this Provision will govern. This Provision shall survive the cancellation or expiration of the Card and any bankruptcy by you, to the extent consistent with applicable bankruptcy law.

Rejection of Arbitration Provision
You may reject this Arbitration Provision by sending a rejection notice to New Millennium Bank c/o Trycera Financial, Inc. P.O. Box 18553 Irvine CA 92623-8553 Attn: Customer Service/ Arbitration (and no other location) within forty-five (45) days after the date you fi rst accept, sign, use, or add value to the Card, whichever comes fi rst. Any rejection notice must be signed by you and must include your name, address, telephone number and Card number. This is the only method you can use to reject this Arbitration Provision.

Fees and Charges

FamilyCash™ Program Activation: $19.00
(Both cards & free MoneyShare™)

Monthly Service Fees
Card Maintenance Fee:
• FamilyCash™ Prepaid MasterCard: $6.95
• Global Family Card™: FREE

Point - of - Sale (Domestic & International)
• PIN Transaction Fee: $0.75
• Signature Transaction Fee: FREE
• Transaction Decline Fee (PIN / SIGNATURE): $0.75
• ATM Inquiry Fee (Balance / Transaction): $0.50
• ATM Inquiry Decline Fee (Balance / Transaction): $0.50
• ATM Withdrawal Fee - (Domestic): $1.75
• ATM Withdrawal Fee - (International): $2.25
• Cash Advance / Cash Back Fee: $5.00

Cardholder Services
• MoneyShare™ - 1st Monthly Transaction Fee: $5.00
• MoneyShare™ - 2nd Monthly Transaction Fee: $3.50
• Bill Pay – Click ‘N Pay Fee: $1.25
• Bill Pay – Paper Check Fee: $1.50
• Card Loading Fee: $0.50+
(Fee charged by location: direct deposit, neighborhood, check,
money order or ACH)
• Card Load – Wire Transfer Fee: $9.95
• Automated Customer Service Phone Fee: $0.50 per call.
• Live Customer Service Phone Fee: $1.00 per min.
• Internet Access to Services: FREE
• Replacement Card Fee: $10.00
• Paper Statement Fee – Mailed by request only: $2.00

Other fees and Conditionals
• Car Rental Fee: $1.00
• Account cancellation Fee: $10.00
• Cancelled / Returned Check Fee: $25.00
• Gas Pre-Authorization Amount: $15.00
(Required minimum balance on your card)

Daily Load Money Limit: The maximum balance allowed on the FamilyCash™ Prepaid MasterCard at any given time is $5,000.

Daily Load Money Transaction Limit: You may load money to your card no more than four (4) times per day.

Daily Cash Withdrawal Limit: You may use your Card to access cash at an Automated Teller Machine (ATM). You may withdraw up to $500 daily from an ATM or up to $1,000 daily cash advance through an in person bank branch. Your combined ATM and daily cash advance limit is $1,500.