Cardholder Agreement
This Cardholder Agreement ("Agreement") is the agreement between you and BB&T Financial, FSB, a federally-chartered thrift institution, with an address of P O Box 1057, Louisville KY 40201 with respect to our issuance and your use of the accompanying Visa® Gift Card ("Card"). You will be deemed to have accepted the terms of this Agreement if you accept or use the Card, and these terms shall also apply to any person authorized to use this Card.
In this Agreement, “you” and “your” mean the person to whom the Card is issued, the person receiving the Card, or the person using the Card. The terms “we,” “us,” and “Bank” mean BB&T Financial, FSB, or its servicing partner, MidAmerica Gift Certificate Company, and their successors, agents, and assigns.
To the extent federal law is not applicable, the laws of the state of Georgia shall govern this Agreement without regard to that state’s conflict of laws principles. We may waive any of the provisions or conditions of this Agreement, but any such waiver shall be effective only on that occasion and shall not be construed as a continuing waiver of the waived provision or condition on any other occasion.
Card Description
The Card is a prepaid, non-personalized, non-reloadable, debit card that may be used to make signature-based purchases at participating merchants in the U.S. only. The Card is loaded with a U.S. dollar amount designated by the purchaser. As you use the Card, the amount loaded on the Card will be reduced by purchases and any applicable fees. The loaded amount less purchases and applicable fees is known as the Available Balance. Your Card and its pre-funded account are not issued in your name. No separate deposit account is established for you that is associated with this Card. The Card is not FDIC insured.
Gift Card Activation and Expiration
Your Card was activated at purchase and it may be used to make purchases until the “Good Thru” date printed on the Card. On that date, unless prohibited by applicable law, the Card and any Available Balance expire and you can no longer use the Card or access the Available Balance. Any Available Balance remaining after expiration will be forfeited and may be turned over or escheated to the appropriate state pursuant to applicable law.
Fees
Subject to applicable law, the following fees will be charged:
Issuance Fee: Determined by the Agent who sold the Card.
Maintenance Fee: $3.00 per month after the 12th month of dormancy.
The Issuance Fee is the fee paid to purchase the Card. The Maintenance Fee is charged against the Available Balance after 12 months of Card dormancy. Dormancy means that that there have been no purchases or other qualifying activity for the preceding 12 months.
Card Balance and Activity Information
You may access Available Balance, Fee and Card transaction information by calling 866-845-6289 or visiting www.bbandtcardinfo.com.
