Terms and Conditions


Acceptance of Terms Blue Diamond Hotels and Resorts Inc. (referred to herein as "Blue Diamond") makes all information, documents, communications, files, text, graphics, and logos available for use, subject to the terms and conditions set in this document, including any changes that Blue Diamond may from time to time publish, and subject to your obtaining the prior express written consent of Blue Diamond authorizing such use. By using this information in any way, including and without limitation to, downloading of any copyrighted materials, or merely browsing the information, you agree to and are bound by these Terms of Use and any other conditions imposed by Blue Diamond at the time of granting its written consent. For greater certainty, any party wishing to use any images, artwork, text, graphics, logos, logotypes and flash animations or other intellectual property of Blue Diamond must first seek and obtain the written consent of Blue Diamond. 

Terms and Conditions
All information is provided by Blue Diamond as a service to our partners to facilitate the distribution of copyrighted graphics, imagery and logos. In accordance with this agreement, all distributed content must be properly used and credited. All distributed material must be used for the sole purpose of marketing Royalton resorts, Memories resorts and Grand Lido resorts and products.
The use of any image, photo, or logo outside the scope of marketing Royalton Resorts, Memories Resorts and Grand Lido Negril Resort, CHIC by Royalton, Hideaway by Royalton, Starfish resorts and products is strictly prohibited. Use of any image from the media site to market or represent any product besides that which is represented by Royalton Resorts, Memories Resorts, Grand Lido Negril Resort, CHIC by Royalton, Hideaway by Royalton, Starfish resorts
and products constitutes a violation of this agreement and applicable copyright and trademark law.
Unless otherwise specified and/or credited, all images, artwork, text, graphics, logos, logotypes and flash animations herein provided are the copyright and/or trademark of Blue Diamond. All rights reserved. Altering any Blue Diamond images is strictly prohibited. Logos may only be resized to fit your specific purpose given that the proportions of the graphic are unchanged.
The use of any images, artwork, text, graphics, logos, logotypes and flash animations or other intellectual property of Blue Diamond in a manner which suggests that a party other than Blue Diamond owns or operates Royalton resorts, Memories resorts and Grand Lido resorts, is strictly prohibited.
In addition: All Blue Diamond logos used on third-party websites must be hyperlinked to www.bluediamondresorts.com
All Royalton logos used on third-party websites must be hyperlinked to www.royaltonresorts.com
All Memories logos used on third-party websites must be hyperlinked to www.memoriesresorts.com
All Grand Lido logos used on third-party websites must be hyperlinked to www.grandlidoresorts.com
All CHIC by Royalton logos used on third-party websites must be hyperlinked to www.chicpuntacana.com
All Hideaway by Royalton logos used on third-party websites must be hyperlinked to www.royaltonresorts.com
All Starfish Resorts logos used on third-party websites must be hyperlinked to www.starfishresorts.com
The use of any image, photo, or logo outside the scope of marketing Royalton Resorts, Memories Resorts, Grand Lido Negril Resort, CHIC by Royalton, Hideaway by Royalton, Starfish resorts and products is strictly prohibited. Using any image from the media site to market or represent any product besides Royalton resorts, Memories resorts and Grand Lido resorts and products constitutes a violation of this agreement and applicable copyright and trademark law.
 
Policy Changes
Blue Diamond reserves the right to change the Terms of Use and other guidelines or rules at its sole discretion. By visiting the website before each use and without notice, you will become aware and accept the changes in effect at the time. Your continued use of this information, after such notice has been posted on our website, constitutes your acceptance of the changes.
 
Restricting Access
Although it is not our intention to do so, at any time if we have cause to do so (including and without limitation to, our good faith belief that you have violated the Terms of Use), Blue Diamond reserves the right to restrict, suspend, or terminate your access to all or part of this information, without prior notice or liability.
(a) Waiver. No delay on the part of Blue Diamond in the exercise of any right, power or remedy hereunder will operate as a waiver hereof nor will any single or partial exercise by Blue Diamond of any right, power or remedy hereunder preclude other or further exercise hereof or the exercise of any other right, power or remedy. Except as expressly stated to the contrary, the rights and remedies herein expressly provided are cumulative and not exclusive of any rights or remedies provided at law, in equity or otherwise.

(b) Severability. Every provision of this Agreement is intended to be severable; if any term or provision is determined to be illegal or invalid for any reason whatsoever, such illegality or invalidity will not affect the validity of the remainder of this Agreement. Without limiting the generality of the preceding sentence, if any remedy set forth in this Agreement is determined to have failed its essential purpose, then all other provisions of this agreement, including without limitation the limitations of liability and the exclusion of damages, will remain in full force and effect.

(c) Jurisdiction. This Agreement will be governed and construed in accordance with the laws of the Commonwealth of Barbados without regard to its conflict of laws provisions. Any action or proceeding arising out of or related in any way to this Agreement shall be brought in a court of competent jurisdiction in the Commonwealth of Barbados. Neither party will raise object to such jurisdiction or venue because of the residence or domicile of any party thereto.

(d) Injunctive Rights. You acknowledge and agree that, in the event of any breach of this agreement, Blue Diamond would be irreparably and immediately harmed and could not be made whole by monetary damages. Accordingly, it is agreed that, in addition to any other remedy to which it may be entitled in law or equity, Blue Diamond shall be entitled to an injunction or injunctions (without the posting of any bond and without proof of actual damages) to prevent breaches or threatened breaches of this Agreement and/or to compel specific performance of this Agreement, and that neither you nor your agents will oppose the granting of such relief. You also agree to reimburse Blue Diamond for all costs and expenses, including attorneys' fees, incurred by Blue Diamond in attempting to enforce your obligations or those of your agents hereunder.

 

Prepaid Card Terms and Conditions

Berkeley Reloadable Visa®Prepaid Card
CARDHOLDER AGREEMENT 
IMPORTANT – PLEASE READ CAREFULLY. THIS AGREEMENT CONTAINS 
AN ARBITRATION PROVISION REQUIRING ALL CLAIMS TO BE 
RESOLVED BY WAY OF BINDING ARBITRATION.
This Cardholder Agreement (“Agreement”) outlines the terms and 
conditions under which the Berkeley Reloadable Visa Prepaid Card has 
been issued to you. By accepting, signing, or using this Card, you agree 
to be bound by the terms and conditions contained in this Agreement. 
In  this  Agreement,  "Card"  means  the  Berkeley  Reloadable  Visa 
Prepaid Card issued to you by MetaBank®. "You" and "your" means 
the person or persons who have received the Card and are authorized 
to use the Card as provided for in this Agreement. "We," "us," and 
"our"  mean  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.
1. ABOUT YOUR CARD
Your  Card  is  a  prepaid  card  loaded  with  a  specific  value  and 
redeemable where Visa debit cards are accepted. You do not have the 
ability to add funds to the Card. However, the corporate sponsor from 
whom you received your Card may add additional funds to your Card. 
The Card is issued for loyalty, award, or promotional purposes and is 
not a gift card; nor is it intended for gifting purposes.You should 
treat your Card with the same care as you would treat cash. Your Card 
account does not constitute a checking or savings account and is not 
connected in any way to any other account you may have. The Card is 
not a credit card. You will not receive any interest on the funds in your 
Card account. If you have registered your Card, the funds in your Card 
account will be insured by the Federal Deposit Insurance Corporation 
(“FDIC”),  subject  to  applicable  limitations  and  restrictions  of  such 
insurance.  You  may  register  your  Card  by  visiting 
www.gotomyprepaidcard.com or calling 1-855-310-3383.
2.  USING YOUR CARD
a. Accessing Funds and Limitations
You  must  activate  your  Card  prior  to  use  by  visiting 
www.gotomyprepaidcard.com  or  calling  1-855-310-3383.  The 
funds  accessible  to  you  after  activation  are  provided  by  the 
manufacturer, retailer, distributor, or marketer of the product you 
have  purchased,  not  the  issuer  of  the  card.  That  manufacturer, 
retailer,  distributor,  or  marketer  is  fully  responsible  for  ensuring 
funds are available to be loaded to your Card.
Each time you use your Card, you authorize us to reduce the value 
available on your Card by the amount of the transaction. We may 
refuse to process any transaction that we believe may violate the 
terms of this Agreement. You may use your Card to obtain cash at 
an Automated Teller Machine (ATM). A maximum of $500.00 can 
be  withdrawn  from  a  Domestic  or  International  ATM  on  a  daily 
basis.  The  minimum  ATM  withdrawal  for  both  Domestic  and 
International ATM withdrawal is $20.00 
You  may  use  your  Card  to  purchase  goods  or  services  wherever 
Visa and NYCE Cards are accepted as long as you do not exceed the 
value  available  on  the  Card.  Each  time  you  use  your  Card,  you 
represent and warrant to us that you are either the Cardholder or 
an authorized user of the Card. 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. 
Foreign Transaction Fee:
If  you  make  a  purchase  in  a  currency  or  country  other  than  the 
currency  or  country  in  which  your  Card  was  issued  ("Foreign 
Transaction"), the transaction will be converted to U.S. Dollars in 
accordance with the Currency Conversion process below, and you 
will  be  charged  a  fee  equal  to  2.5%  on  the  total  amount  of 
transaction in U.S. Dollars. 
If  you  withdraw  funds  from  an  ATM  machine  in  a  currency  or 
country other than the currency or country in which your Card was 
issued (“Foreign Transaction”), the transaction will be converted to 
U.S. Dollars in accordance with the Currency Conversion process 
below, and you will be charged a fee equal to 2.5% on the total 
amount of transaction in U.S. Dollars plus a $5.00 ATM Withdrawal 
Fee (International).
The  card  association  may  consider  transactions  occurring  in  U.S. 
territories to be Foreign Transactions, so transactions originating 
from these locations may be subject to a Foreign Transaction Fee. 
If the Foreign Transaction results in a credit due to a return, we will 
not  refund  any  Foreign  Transaction  Fee  that  may  have  been 
charged on your original purchase.
Currency Conversion:
f you make a Foreign Transaction, the amount deducted from your 
funds  will  be  converted  by  the  network  or  card  association  that 
processes the transaction into an amount in the currency of your 
Card. Visa U.S.A. Inc. currently use a conversion rate that is either: 
(i) selected from the range of rates available in wholesale currency 
markets  (which  may  vary  from  the  rate  the  association  itself 
receives),  or  (ii)  the  government-mandated  rate  in  effect  for  the 
applicable central processing date. The conversion rate selected by 
the network is independent of the Foreign Transaction Fee that we 
charge as compensation for our services.
Certain merchants may require verification of your address during 
certain types of transactions. Some merchants may check to make 
sure  the  name  and  mailing  address  indicated  for  purchases 
matches  the  Card  address.  Therefore,  if  the  Card  has  not  been 
registered or you do not supply the address currently on file for the 
Card, you may not be able to complete a transaction for which this 
information has been requested. If you wish to make a transaction 
where  this  is  the  case,  you  will  need  to  go  to 
www.gotomyprepaidcard.com  or  call  1-855-310-3383  to  register 
your Card.
For  security  reasons,  we  may  limit  the  amount  or  number  of 
transactions you can make with your Card. 
If  you  have  questions  on  Card  usage,  please  call  us  at 
1-855-310-3383.
b. Personalized Identification Number ("PIN")
To receive your Personal Identification Number (“PIN”) please call 
1-855-310-3383. You will not be charged a fee for your first call to 
the IVR. Any subsequent calls to retrieve your PIN will be charged a 
$0.50 Customer Service Call Fee (IVR). 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." 
c. Obtaining Card Balance Information
You  should  keep  track  of  the  amount  of  value  loaded  on  Cards 
issued to you. You may obtain information about the amount of 
money  you  have  remaining  in  your  Card  account  by 
1-855-310-3383  (fees  apply)  or  by  visiting 
www.gotomyprepaidcard.com. 
d. Authorization Holds
You  do  not  have  the  right  to  stop  payment  on  any  purchase 
transaction originated by use of your Card. With certain types of 
purchases  (such  as  those  made  at  restaurants,  hotels,  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.  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.
e. 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 as soon as 
they are received, 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.
f.  Receipts
You  should  get  a  receipt  at  the  time  you  make  a  transaction  or 
obtain cash using your Card. You agree to retain your receipt to 
verify your transactions.
g. Split Transactions and other uses
If you do not have enough funds available in your Card account, 
you can instruct the merchant to charge a part of the purchase to 
the  Card  and  pay  the  remaining  amount  with  another  form  of 
payment. These are called “split transactions.” 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.
You are not allowed to exceed the available amount in your Card 
account  through  an  individual  transaction  or  a  series  of 
transactions. Nevertheless, if a transaction exceeds the balance of 
the  funds  available  in  your  Card  account,  you  shall  remain  fully 
liable to us for the amount of the transaction and agree to pay us 
promptly for the negative balance. We may apply a debit to any 
subsequent credits to the Card or any other account you have with 
us for the amount of any negative balance on your Card. We also 
reserve the right to cancel this Card and close your Card account 
should you create one or more negative balances with your Card.
You  are  responsible  for  all  transactions  initiated  by  use  of  your 
Card, except as otherwise set forth herein. You may not use your 
Card for any illegal transactions, use at casinos, or any gambling 
activity. 
h. Replacement Card
The  funds  on  your  Card  do  not  expire.  The  “valid  thru”  date 
indicated on the front of your Card is not an expiration date on the 
funds,  but  is  intended  primarily  for  fraud  prevention  purposes. 
After  the  “valid  thru”  date,  you  will  receive  a  replacement  Card 
with a new “valid thru” date.
3.  Business Days
For  purposes  of  these  disclosures,  our  business  days  are  Monday 
through Friday, excluding standard Federal Reserve Bank holidays. 
4.  Unauthorized Transactions
a. Contact
If you believe your Card has been lost or stolen or an unauthorized 
transaction has been made using the information from your Card 
without your permission, call: 1-855-310-3383. Alternatively, you 
can  write  to:  Berkeley  Payment  Solutions  |  P.O.BOX  536  |  31 
Adelaide Street East | Toronto, Ontario M5C2J6
For  time  sensitive  requests,  we  encourage  the  cardholder  to 
contact us by calling 1-855-310-3383
We reserve the right to investigate any claim you may make with 
respect to a lost or stolen Card or unauthorized transaction, and 
you agree to cooperate with such investigation. We may ask you 
for a written statement, affidavit or other information in support of 
the  claim.  A  Replacement  Card  fee  of   $20.00  will  be  charged 
(subject to applicable law) for any lost/stolen Card, which will be 
deducted from the balance on the Card. A reissued Card may take 
up to 30 days to process. You acknowledge that purchases made 
with prepaid Cards, such as the gift Card, are similar to those made 
with cash. You cannot "stop payment" on such transactions. Any 
problems or disputes you may have regarding a purchase should be 
addressed directly with the merchant.
b.  Under  Visa  rules,  your  liability  for  unauthorized  Visa  debit 
transactions on your Card account is $0.00 if you notify us within 
two  (2)  business  days  and  you  are  not  grossly  negligent  or 
fraudulent  in  the  handling  of  your  Card  or  PIN.   This  reduced 
liability does not apply to PIN transactions not processed by Visa or 
ATM cash withdrawals. 
Fees and Expiration Dates Associated with your Prepaid Card
ATM Withdrawal Fee: $2.50/withdrawal
ATM Withdrawal Fee* (International): $5.00/withdrawal
*For  International  ATM  Withdrawals,  the  Foreign  Exchange  Fee  of  2.5%  will  also  be 
charged on the amount withdrawn
Replacement Card Fee: $20.00
Foreign Transaction Fee 2.5% of Transaction amount (see Section 
on Using Your Card for additional information) 
Customer Service Call Fee (IVR): $0.50/call
Customer Service Call Fee (Live Agent): $2.00/call
Although your Card may have an expiration date, the funds on your 
Card do not expire. Upon expiration, you will receive a replacement 
Card with the remaining balance on your Card. 
These  provisions  limiting  your  liability  do  not  apply  to  debit 
transactions not processed by Visa. 
c. Information About Your Right to Dispute Errors
You must contact us within sixty (60) days after the earlier of the 
date  you  electronically  access  your  account  in  which  the 
transaction was reflected, or the date we sent the FIRST written 
history on which the unauthorized transfer appeared. 
(1) Provide your name and Card number (if any); 
(2) Describe the error or the transaction you are unsure about, and 
explain  why  you  believe  it  is  an  error  or  why  you  need  more 
information; 
(3) Provide the dollar amount of the suspected error.
5.  Our Liability for Failure to Complete Transactions
If we do not complete a transaction to or from your Card account on 
time  or  in  the  correct  amount  according  to  our  Agreement  with 
you,  we  will  be  liable  for  your  losses  and  damages  proximately 
caused by us. 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 account to complete the transaction; 
(2) If a merchant refuses to accept your Card; 
(3) If an ATM where you are making a cash withdrawal does not have 
enough cash;
(4) If an electronic terminal where you are making a transaction does 
not operate properly and you knew about the problem when you 
initiated the transaction; 
(5) If access to your Card has been blocked after you reported your 
Card or PIN lost or stolen; 
(6) If there is a hold or your funds are subject to legal process or other 
encumbrance restricting their use; 
(7)  If  we  have  reason  to  believe  the  requested  transaction  is 
unauthorized; 
(8)  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; 
(9) Any other exception stated in our Agreement with you.
6.  Unclaimed Property
Your Card is subject to unclaimed property laws. Should your Card 
have a remaining balance after a certain period of time, we may be 
required to remit remaining funds to the appropriate state agency. 
7.  Other Terms
Your  Card  and  your  obligations  under  this  Agreement  may  not  be 
assigned. We may transfer our rights under this Agreement. Use of 
your  Card  is  subject  to  all  applicable  rules  and  customs  of  any 
clearinghouse or other association involved in transactions. We do not 
waive our rights by delaying or failing to exercise them at any time. 
We may (without prior notice and when permitted by law) set off the 
funds in this account against any due and payable debt you owe us 
now and in the future). If any provision of this Agreement shall be 
determined  to  be  invalid  or  unenforceable  under  any  rule,  law,  or 
regulation  of  any  governmental  agency,  local,  state,  or  federal,  the 
validity or enforceability of any other provision of this Agreement shall 
not be affected. This Agreement will be governed by the law of the 
State of South Dakota except to the extent governed by federal law.
8.  Amendment and Cancellation
You  will  be  notified  of  any  change  in  the  manner  required  by 
applicable law. You may close your Card at any time by contacting us 
at 1-855-310-3383. Your termination of this Agreement will not affect 
any  of  our  rights  or  your  obligations  arising  under  this  Agreement 
prior to termination.
9.  Telephone Monitoring/Recording 
From  time  to  time,  we  may  monitor  and/or  record  telephone  calls 
between you and us to assure the quality of our customer service or 
as required by applicable law.
10.  No Warranty Regarding Goods and Services
We are not responsible for the quality, safety, legality, or any other 
aspect of any goods or services you purchase with your Card.
11.  Arbitration 
Purpose: This Arbitration Provision sets forth the circumstances and 
procedures under which claims (as defined below) may be arbitrated 
instead of litigated in court.
Definitions:   As  used  in  this  Arbitration  Provision,  the  term  “Claim” 
means any claim, dispute or controversy between you and us arising 
from or relating to the Card or this Agreement as well as any related or 
prior agreement that you may have had with us or the relationships 
resulting from this Agreement, including the validity, enforceability or 
scope  of  this  Arbitration  Provision  or  the  Agreements.   “Claim” 
includes claims of every kind and nature, including but not limited to 
initial claims, counterclaims, cross-claims and third-party claims and 
claims  based  upon  contract,  tort,  fraud  and  other  intentional  torts, 
statutes, regulations, common law and equity. The term “Claim” is to 
be  given  the  broadest  possible  meaning  that  will  be  enforced  and 
includes, by way of example and without limitation, any claim, dispute 
or controversy that arises from or relates to (i) your Card, or the Cards 
of any additional  cardholders designated by you; (ii) the amount of 
available funds in the Card accounts; (iii) advertisements, promotions 
or oral or written statements related to the Cards, goods or services 
purchased with the Cards; (iv) the benefits and services related to the 
Cards; and (v) your enrollment for any Card. We shall not elect to use 
arbitration  under  the  Arbitration  Provision  for  any  Claim  that  you 
properly  file  and  pursue  in  a  small  claims  court  of  your  state  or 
municipality so long as the Claim is individual and pending only in the 
court.
As used in the Arbitration Provision, the terms “we” and “us” shall for 
all purposes mean the Bank, wholly or majority owned subsidiaries, 
affiliates, licensees, predecessors, successors, and assigns; and all of 
their agents, employees, directors and representatives. In addition, 
“we”  or  “us”  shall  include  any  third  party  using  or  providing  any 
product, service or benefit in connection with any Cards (including, 
but not limited to merchants who accept the Card, third parties who 
use  or  provide  services,  debt  collectors  and  all  of  their  agents, 
employees,  directors  and  representatives)  if,  and  only  if,  such  third 
party is named as a co-party with us (or files a Claim with or against us) 
in  connection  with  a  Claim  asserted  by  you.   As  solely  used  in  this 
Arbitration  Provision,  the  terms  “you”  or  ”yours”  shall  mean  all 
persons  or  entities  approved  by  us  to  have  and/or  use  a  Card, 
including  but  not  limited  to  all  persons  or  entities  contractually 
obligated under any of the Agreements and all additional cardholders.
Initiation of Arbitration Proceeding/Selection of Administrator: Any 
Claim shall be resolved, upon the election by you or us, by arbitration 
pursuant to this Arbitration Provision and the code of procedures of 
the national arbitration organization to which the Claim is referred in 
effect at the time the Claim is filed. Claims shall be referred to either 
the  Judicial  Arbitration  and  Mediation  Services  (“JAMS”),  or  the 
American  Arbitration  Association  (“AAA”),  as  selected  by  the  party 
electing  to  use  arbitration.   If  a  selection  by  us  of  one  of  these 
organizations is unacceptable to you, you shall have the right within 
30 days after you receive notice of our election to select either of the 
other organizations listed to serve as arbitrator administrator. For a 
copy of the procedures, to file a Claim or for other information about 
these organizations, contact them as follows: (i) JAMS at 1920 Main 
Street,  Suite  300,  Los  Angeles,  CA  92614;  website  at 
www.jamsadr.com;  (ii)  AAA  at  335  Madison  Avenue,  New  York,  NY 
10017; website at www.adr.org .
Significance of Arbitration: IF ARBITRATION IS CHOSEN BY ANY PARTY 
WITH RESPECT TO A CLAIM, NEITHER YOU NOR WE WILL HAVE THE 
RIGHT TO LITIGATE THAT CLAIM IN COURT OR HAVE A JURY TRIAL ON 
THAT CLAIM, OR TO ENGAGE IN DISCOVERY EXCEPT AS PROVIDED FOR 
IN THE CODE OF PROCEDURES OF THE JAMS, OR AAA, AS APPLICABLE 
(THE  “CODE”).   FURTHER,  YOU  WILL  NOT  HAVE  THE  RIGHT  TO 
PARTICIPATE IN A REPRESENTATIVE CAPACITY OR AS A MEMBER OF 
ANY CLASS OF CLAIMANTS PERTAINING TO ANY CLAIM SUBJECT TO 
ARBITRATION.   EXCEPT  AS  SET  FORTH  BELOW,  THE  ARBITRATOR’S 
DECISION WILL BE FINAL AND BINDING. NOTE THAT OTHER RIGHTS 
THAT YOU WOULD HAVE IF YOU WENT TO COURT ALSO MAY NOT BE 
AVAILABLE IN ARBITRATION.
Restrictions on Arbitration: If either party elects to resolve a Claim by 
arbitration, that Claim shall be arbitrated on an individual basis. There 
shall be no right or authority for any Claims to be arbitrated on a class 
action  basis  or  on  bases  involving  Claims  brought  in  a  purported 
representative  capacity  on  behalf  of  the  general  public,  other 
Cardholders  or  other  persons  similarly  situated.   The  arbitrator’s 
authority to resolve Claims is limited to Claims between you and us 
alone, and the arbitrator’s authority to make awards is limited to you 
and us alone. Furthermore, Claims brought by you against us or by us 
against  you  may  not  be  joined  or  consolidated  in  arbitration  with 
Claims  brought  by  or  against  someone  other  than  you,  unless 
otherwise agreed to in writing by all parties.
Location of Arbitration/Payment of Fees: Any arbitration hearing that 
you  attend  shall  take  place  in  the  federal  judicial  district  of  your 
residence.   At  your  written  request,  we  will  consider  in  good  faith 
making a temporary advance of all or part of the filing administrative 
and/or hearing fees for any Claim you initiate as to which you or we 
seek arbitration. At the conclusion of the arbitration (or any appeal 
thereof), the arbitrator (or panel) will decide who will ultimately be 
responsible for paying the filing, administrative and/or hearing fees in 
connection with the arbitration (or appeal). If and to the extent you 
incur filing, administrative and/or hearing fees in arbitration, including 
for  any  appeal,  exceeding  the  amount  they  would  have  been  if  the 
Claim had been brought in the state or federal court which is closest to 
your billing address and would have had jurisdiction over the Claim, 
we will reimburse you to that extent unless the arbitrator (or panel) 
determines  that  the  fees  were  incurred  without  any  substantial 
justification.
Arbitration Procedures: This Arbitration Provision is made pursuant to 
a transaction involving interstate commerce, and shall be governed by 
the  Federal  Arbitration  Act,  9  U.S.C.  Sections  1-16,  as  it  may  be 
amended  (the  “FAA”).   The  arbitration  shall  be  governed  by  the 
applicable  Code,  except  that  (to  the  extent  enforceable  under  the 
FAA) this arbitration Provision shall control if it is inconsistent with the 
applicable Code. The arbitrator shall apply applicable substantive law 
consistent with the FAA and applicable statutes of limitations and shall 
honor claims of privilege recognized at law and, at the timely request 
of either party, shall provide a brief written explanation of the basis 
for  the  decision.   In  conducting  the  arbitration  proceeding,  the 
arbitrator  shall  not  apply  the  Federal  or  any  state  rules  of  civil 
procedure or rules of evidence. Either party may submit a request to 
the arbitrator to expand the scope of discovery allowable under the 
applicable Code. The party submitting such a request must provide a 
copy to the other party, who may submit objections to the arbitrator 
with  a copy of  the objections  provided  to  the request party, within 
fifteen  (15)  days  of  receiving  the  requesting  party’s  notice.   The 
granting or denial of such request will be in the sole discretion of the 
arbitrator  who  shall  notify  the  parties  of  his/her  decision  within 
twenty (20) days of the objecting party’s submission. The arbitrator 
shall take reasonable steps to preserve the privacy of individuals, and 
of  business  matters.   Judgment  upon  the  award  rendered  by  the 
arbitrator  may  be  entered  in  any  court  having  jurisdiction.   The 
arbitrator’s decision will be final and binding, except for any right of 
appeal  provided  by  the  FAA.   However,  any  party  can  appeal  that 
award  to  a  three-arbitrator  panel  administered  by  the  same 
arbitration organization, which shall consider anew any aspect of the 
initial award objected to by the appealing party. The appealing party 
shall  have  thirty  (30)  days  from  the  date  of  entry  of  the  written 
arbitration  award  to  notify  the  arbitration  organization  that  it  is 
exercising  the  right  of  appeal.   The  appeal  shall  be  filed  with  the 
arbitration organization in the form of a dated writing. The arbitration 
organization will then notify the other party that the award has been 
appealed. The arbitration organization will appoint a three-arbitrator 
panel which will conduct an arbitration pursuant to its Code and issue 
its decision within one hundred twenty (120) days of the date of the 
appellant’s  written  notice.   The  decision  of  the  panel  shall  be  by 
majority vote and shall be final and binding.
Continuation: This Arbitration Provision shall survive termination of 
your Card as well as voluntary payment of any debt in full by you, any 
legal  proceeding  by  us  to  collect  a  debt  owed  by  you,  and  any 
bankruptcy by you or us. If any portion of this Arbitration Provision is 
deemed invalid or unenforceable under any principle or provision of 
law  or  equity,  consistent  with  the  FAA,  it  shall  not  invalidate  the 
remaining portions of this Arbitration Provision, the Agreement or any 
prior agreement you may have had with us, each of which shall be 
enforceable regardless of such invalidity.
This Card is issued by MetaBank, Member FDIC, pursuant to a license 
from Visa
5501 S. Broadband Lane | Sioux Falls, SD 57108 | 1-855-310-3383
www.gotomyprepaidcard.com
© 2015 MetaBank.
Revised Sep. 2015. 1655105