Grind24 Cardholder Agreement

Please read this Grind24 VISA Debit Cardholder Agreement (the “Agreement”) carefully and retain it for your future reference. This Agreement applies to all transactions resulting from the use of your Debit Card (the “Card”) through an automated teller machine (ATM), a Point-of-Sale (POS) terminal or any other use of the Card(s), whether electronic or not, which has been made available to you by Grind 24 Inc. (“Program Partner”), the program partner responsible for managing the Card program, in partnership with Blue Ridge Bank, N.A. (the“Bank”), member of the Federal Deposit Insurance Corporation (“FDIC”).

Please read this Agreement carefully and keep it for your records. The agreement you make with us, and the rights and obligations we both have, are governed by and interpreted according to the Commonwealth of Virginia law and federal law. ThisAgreement, together with other agreements or disclosures you may receive from us, such as the Grind24 Deposit Account Agreement (“Account Agreement”),establishes our and your rights and obligations.

When you see the words “we,” “us,” or “our” in this Agreement, it refers to theBank, the Program Partner acting as agent for the Bank, and any of the Bank’s affiliates, successors, assignees, agents or service providers. When you seethe words “you” or “your,” it refers to you, the owner of the Account, as well as your personal representatives, executors, administrators, and successors.

You authorize us to pay from your deposit account (“Account”) the total amount of any transaction originated by proper use of the Card. You also agree that the use of the Card described in this Agreement shall be subject to the rules & regulations and fees governing each deposit account which is accessed by suchCard, including but not limited to the Bank's right of set-off.

1.         Activating the Card and Setting a PIN

1.1.       Card Agreement Acceptance and Card Activation

ThisCard requires activation before you may use it. You may activate the Card by calling 1-833-333-0417. Your activation and use of the Card means that you agree to the terms and conditions described in this Agreement.

If you do not want to activate the Card, you should cut the Card in half and dispose of it.

1.2.       Personal Identification Number (PIN)

Youwill be required to select a 4-digit personal identification number (PIN) priorto using the Card for the first time. The 4-digit numerical PIN issued to youis for security purposes. The PIN represents your signature authorizingtransactions made using your Card(s), identifies the bearer of the Card, andserves to validate and authenticate the directions given to complete the Cardtransactions.

YOUARE RESPONSIBLE FOR SAFEKEEPING YOUR PIN. YOU AGREE TO TAKE ALL REASONABLEPRECAUTIONS SO NO ONE ELSE LEARNS YOUR PIN AND YOU AGREE NOT TO DISCLOSE OROTHERWISE MAKE YOUR PIN AVAILABLE TO ANYONE NOT AUTHORIZED TO SIGN ON YOURDEPOSIT AND/OR LOAN ACCOUNT(S).

YourPIN should NOT be written on the Card or anywhere it is available to others foruse by lawful and/or unlawful means.

1.3.       Permissible Uses of Your Card

Youagree that you will use the Card only for personal, household or familypurposes and it will not be used for any business purposes.

2.         Use of the Card

2.1.       No Secondary Cardholders

TheCard is solely for your use and you may not request an additional card foranother person. If you give anyone else access to your Card, we will treat anytransaction they initiate as authorized by you, and you will be responsible forall transactions and fees that occur.

2.2.       ATM Cash Deposits

Withyour PIN, you can use your Card to deposit cash into your Account at anin-network ATM. You can identify an in-network ATM by looking for the Allpointlogo on or near the ATM. You cannot make cash deposits at out-of-network ATMs.

2.3.       ATM and Point-of-Sale PIN Withdrawals

Withyour PIN, you can use your Card to obtain cash from your Account up to yourAvailable Balance at any ATM or any Point-of-Sale (“POS”) device in the UnitedStates that displays the Visa, VisaATM, Plus, Interlink, or Accel acceptancemarks. Not all merchants will permit you to get cash back through their POSdevices.

Ifyou use an ATM, including a balance inquiry, you may be charged a fee by theATM operator even if you do not complete a withdrawal. This ATM fee is athird-party fee assessed by the individual ATM operator only and is notassessed or controlled by us. This ATM fee amount will be charged to yourAccount in addition to any applicable fees disclosed in this Agreement or yourAccount Agreement.

2.4.       Retail Card Purchases

Youmay use your Card to make purchases using your PIN at any merchant with a POSdevice anywhere that displays the Visa, VisaATM, Plus, Interlink, or Accelacceptance marks. You may also use your Card to make purchases without your PINanywhere that Visa debit cards are accepted.

2.5.       Split Transactions

Youcan instruct a merchant to charge your Card for part of a purchase and pay anyremaining amount with cash or another card. This is called a “splittransaction.” Some merchants do not permit split transactions. If you wish toconduct a split transaction, you must tell the merchant the exact amount youwould like charged to your Card. If you fail to inform the merchant you wouldlike to complete a split transaction and you do not have sufficient availablefunds in your Account to cover the entire purchase amount, your Card is likelyto be declined.

2.6.       Card-Not-Present Transactions

Youmay make retail card purchases without presenting your Card by providinginformation from your Card, such as transactions done by internet or telephone.Conducting transactions in this way has the same legal effect as if you usedthe plastic Card itself. For security reasons, the amount or number of suchtransactions you may make may be limited.

2.7.       Virtual Card Use

Whenyou open an Account, you may also receive a virtual card (“Virtual Card”)represented by a 16-digit card number, a 3-digit card verification value(“CVV”) number, and an expiration date. The Virtual Card is separate from yourphysical Card and can be managed through the Online Banking Services (seeSection 1.3 of the Account Agreement). We will issue you a replacement VirtualCard when it expires. The Virtual Card accesses the available funds in yourAccount to make card-not-present transactions (see Section 2.6) anywhere Visa debit cards areaccepted in the same way as your physical Card. The Virtual Card can also beadded to a digital wallet (seeSection 2.8) in the same way as your physical Card. Your use of theVirtual Card is subject to the terms of this Agreement, including transactionlimitations, to the same extent as your physical Card.

2.8.       Use of the Card with Digital Wallets

Adigital wallet (“Wallet”) provides another way for you to make purchases withyour Card. A digital wallet is a service provided by another company (such asApple Pay, Android Pay, Samsung Pay, etc.), that allows you to use your Card toenter into transactions where the Wallet is accepted. A Wallet may not beaccepted at all places where your Card is otherwise accepted, and your Card maynot be eligible for all the features and functionalities of the Wallet. Any useof your Card in or through the Wallet continues to be subject to all terms andconditions of this Agreement. We may terminate your access to or use of yourCard with a Wallet at any time and for any reason, including if you violate anyof the terms or conditions of this Agreement.

Youcan add or remove your Card from a Wallet by following the instructionsprovided by the Wallet provider. By doing this, you agree to allow us to shareyour Card information with the Wallet provider. You may be required to takeadditional steps to authenticate yourself before your Card is added to theWallet. We do not charge you any additional fees for adding your Card to aWallet or for using your Card in the Wallet. However, any fees and charges thatwould apply when you use your Card outside the Wallet will also apply when youuse a Wallet to make purchases with your Card or otherwise access your Card.The Wallet provider and other third parties such as wireless companies or dataservice providers may charge you fees. The digital version of your Card in aWallet may, in our sole discretion, be automatically updated or upgradedwithout notice to you.

Weare not the provider of the Wallet, and we are not responsible for providingthe Wallet service to you or for ensuring that your Card is compatible with anyWallet service. We are only responsible for supplying information to the Walletprovider to allow usage of your Card in the Wallet as you have requested. Weare not responsible for any failure of the Wallet, any mobile device you usewith the Wallet, or the inability to use the Wallet for any transaction. We arenot responsible for how the Wallet provider performs its services or any otherthird parties regarding any agreement you enter into with the Wallet provideror other third party. We do not control the privacy and security of any of yourinformation that may be held by the Wallet provider. Any information held bythe Wallet provider is governed by the privacy policy given to you by theWallet provider. If you have location services enabled on your mobile device,the location of your mobile device may be collected and shared by the Walletprovider in accordance with their respective data and privacy policies,including with us. If you request to add your Card to a Wallet, you authorizeus to collect, transmit, store, use and share information about you, yourmobile device, and your use of the Card in accordance with our privacy policy,as amended from time to time, available at https://www.mybrb.com/privacy-policy.html.

TOTHE MAXIMUM EXTENT PERMITTED BY LAW, UNDER NO CIRCUMSTANCES AND UNDER NO LEGALTHEORY ARE WE LIABLE FOR ANY LOSSES OR DAMAGES RESULTING FROM YOUR USE OF AWALLET, YOUR USE OF THE CARD OR VIRTUAL CARD IN CONNECTION WITH A WALLET, OR AMOBILE DEVICE.

Ifyou use a Wallet, you should protect your Wallet and your mobile device as youwould your Card. If your Wallet or mobile device is compromised, lost orstolen, you should also consider your Card lost or stolen and notify usimmediately. Please see Section7 for instructions for reporting a lost or stolen Card.

Ifyou have any questions, disputes, or complaints about a Wallet, contact theWallet provider using the information given to you by the provider.

2.9.       Foreign Transactions

Chargesfrom foreign merchants and financial institutions may be made in a foreigncurrency. We will bill you in U.S. dollars based on the exchange rate on the daywe settle the transaction, plus any special currency exchanges charges that maybe imposed by us, the Visa network and/or by any third-party used to completethe transaction.

Theexchange rate between the transaction currency and the billing currency usedfor processing international transactions is a rate selected by Visa from therange of rates available in wholesale currency markets for the applicablecentral processing date, which may vary from the rate Visa itself receives, orthe government-mandated rate in effect for the applicable central processingdate. The conversion rate may be different from the rate in effect on the dateof your transaction and the date it is posted to your Account.

Regardlessof whether the transaction is made in foreign currency or in US dollars,additional fees may apply to all international transactions using the Card.Please refer to our current fee schedule for more information about our fees.

2.10.   Card Authorization Holds

Whenyou use your Card to purchase goods or services or to obtain cash from amerchant, the merchant may request preauthorization (“Card Authorization”) forthe transaction. If the merchant makes such a request and there are sufficientavailable funds in your Account, we will approve the transaction and place atemporary hold on the funds in your Account. This hold will reduce theAvailable Balance in your Account. The amount of this temporary hold willusually be the amount of the Card Authorization. The hold will remain on yourAccount until the merchant sends the final amount of the transaction to us andrequests payment (“Settlement”). In most cases, if the merchant does notrequest Settlement or is delayed in requesting settlement, the hold willautomatically be removed after three (3) days. However, for transactions withcertain merchants, such as hotels, the hold may remain on your account up toseven (7) days.

Pleasenote that the merchant controls the timing of both the Card Authorization andSettlement. This means that a merchant may initiate Settlement after CardAuthorization hold has already been removed. If the hold is removed and youspend the funds in your Account before Settlement, it may cause your Account tooverdraw. In addition, the Card Authorization amount that the merchant requestsmay be different than the Settlement amount. It is therefore very importantthat you keep track of your transactions and your Account. We cannot stop aCard transaction once we have approved a Card Authorization and you will beresponsible for repaying any negative balance that may occur in your Account.

3.         Card Limitations

Theremay be limits on the amount and frequency of withdrawals and deposits you canmake using your Card.  Please refer tothe Account Agreement for any limits that may apply to your Account.

4.         Returns and Refunds

Pleasebe aware of the merchant’s return policies before using your Card to make apurchase. Neither the Bank nor the Program Partner is responsible for the delivery,quality, safety, legality or any other aspect of the goods or services youpurchase using your Card. If you have a problem with a purchase that you madewith your Card or if you have a dispute with the merchant, you must handle itdirectly with the merchant. If you are entitled to a refund for any reason forgoods or services obtained using your Card, you agree to accept credits to yourCard for the refund and agree to the refund policy of the merchant. The amountscredited to your Card for refunds may not be available for up to five (5) daysfrom the date the refund transaction occurs.

5.         Additional Benefits from Visa and Fraud Alerts Program

5.1.   AdditionalBenefits from Visa

YourCard may also be eligible for certain benefits provided by Visa. Please see theVisa Debit Card Benefits Guide (https://usa.visa.com/support/consumer/debit-cards.html) for a full description of all additional benefits towhich you may be eligible, specifically Visa Zero Liability Benefits (https://usa.visa.com/pay-with-visa/visa-chip-technology-consumers/zero-liability-policy.html). You are also eligible for Visa’s Fraud AlertsProgram.  

5.2.   FraudAlerts Program Overview

Messagingfrequency depends on account activity.  For more information, text HELP to23618.  To cancel fraud text messaging services at any time reply STOP toany alert from your mobile device.

ForFraud alerts support, call 1-833-333-0417. By giving us yourmobile number, you agree that Fraud Alerts text messaging is authorized tonotify you of suspected incidents of financial or identity fraud.  HELPinstructions: Text HELP to 23618 for help. 

5.2.1.  Stop Instructions

TextSTOP to 23618 to cancel.

5.2.2.  Release of Liability

Alertssent via SMS may not be delivered to you if your phone is not in the range of atransmission site, or if sufficient network capacity is not available at aparticular time.  Even within coverage, factors beyond the control ofwireless carriers may interfere with messages delivery for which the carrier isnot responsible.  Carriers do not guarantee that alerts will be delivered.

6.   Fees

Theremay be fees associated with your use of the Card.  Please refer to the Account Agreement for anyfees that may apply to your use of the Card.

7.   Errorsand Lost or Stolen Cards

7.1.   ErrorResolution

Incase of errors or questions about your Card transactions telephone us at1-833-333-0417 as soon as you can, if you think your statement or receipt iswrong or if you need more information about a transfer listed on the statementor receipt. We must hear from you no later than 60 days after we sent the FIRSTstatement on which the problem or error appeared.

▪      Tell us your name and accountnumber (if any).

▪      Describe the error or the transferyou are unsure about, and explain as clearly as you can why you believe it isan error or why you need more information.

▪      Tell us the dollar amount of thesuspected error.

▪      If you tell us orally, we mayrequire that you send us your complaint or question in writing within 10business days.

Wewill determine whether an error occurred within 10 business days after we hearfrom you and will correct any error promptly. If we need more time, however, wemay take up to 45 days to investigate your complaint or question. If we decideto do this, we will credit your account within 10 business days for the amountyou think is in error, so that you will have the use of the money during thetime it takes us to complete our investigation. If we ask you to put yourcomplaint or question in writing and we do not receive it within 10 businessdays, we may not credit your account.

Forerrors involving new accounts, point-of-sale, or foreign-initiatedtransactions, we may take up to 90 days to investigate your complaint orquestion. For new accounts, we may take up to 20 business days to credit youraccount for the amount you think is in error.

Wewill tell you the results within three business days after completing ourinvestigation. If we decide that there was no error, we will send you a writtenexplanation. You may ask for copies of the documents that we used in ourinvestigation.

7.2.  Reporting Lost or Stolen Cards or Replacing Your Card

Tellus AT ONCE if you believe your Card or PIN has been lost or stolen or if youbelieve that a transaction has been made without your permission. Reporting theunauthorized use is the best way of keeping your possible losses down. Youcould lose all the money in your Account. If you tell us within two (2)business days after you learn of the loss or theft of your Card or PIN, you canlose no more than $50 if someone used your Card or PIN without permission. Ifyou do NOT tell us within two (2) business days after you learn of the loss ortheft of your Card or PIN, and we can prove that we could have stopped someonefrom using your Card or PIN without your permission if you had told us, youcould lose as much as $500.

If you need to report your Card as lost or stolen, reportan unauthorized transaction, or replace your Card for any reason, pleasecontact us at 1-833-333-0417 seven days a week, 24 hours a day. You will berequired to provide personal information so that we may verify your identitybefore we will issue you a replacement Card.

8.         Electronic Fund Transfers

Your Card allows you to withdrawfunds from your Account up to the Available Balance through Electronic FundTransfers (“EFTs”). EFTs are transactions that are processed by electronicmeans and include, among others, ATM withdrawals and point-of-sale purchases atmerchants. This Section provides you with information and important disclosuresand terms about the EFTs that are permitted using your Card. You may alsoreceive additional EFT services related to your Account that are not describedin this Agreement. Please refer to your Account Agreement for more information.

 

8.1.       Types of EFTs Supported by Your Card

Your Card allows the followingtypes of EFTs:

 

▪      Transfers to or from your Accountto a merchant or other third party by providing the third party with your Cardor Card information

▪      ATM deposits and withdrawals usingyour Card

 

8.2.  Limitations on EFTs

There are limitations on thefrequency and amount of transactions you can make to or from your Account usingyour Card. These limits are different for each type of transaction. For limitsthat apply to Card transactions, please refer to Section 3 of this Agreement.  For other limitations that may apply to yourAccount, please refer to your Account Agreement. Your Card may also be subjectto security-related limits.  These limitsmay change from time to time.

 

8.3.   YourLiability for Unauthorized EFTs

Contact us immediately if you believe that an unauthorized EFT hasoccurred or may occur concerning your Account, or if your Card or PIN has beenlost, stolen or compromised. Calling us at 1-833-333-0417 is the best way ofkeeping your losses to a minimum.

 

You could lose all the money inyour Account if you take no action to notify us of the unauthorized EFT or theloss or theft of your Card or PIN.

 

For unauthorized EFTs, yourliability will be as follows if you notify us of the loss:

 

▪      If you tell us within two (2)business days after learning of the loss, theft or compromise of your Card orPIN, you can lose no more than $50.

▪      If you do NOT tell us within two(2) business days and we can prove that we could have prevented the loss hadyou contacted us, you could lose as much as $500.00.

▪      If your statement shows EFTs thatyou did not make and you do NOT contact us within sixty (60) days after thestatement was made available to you, you may not get back any money lost afterthe sixty (60) days if we can prove that your contacting us would have preventthose losses.

We can extend these time periodsif extenuating circumstances (such as a long trip or hospital stay) kept youfrom notifying us.

 

8.4.   OurLiability for a Failure To Complete A Transaction

If we fail to complete atransaction on time or in the correct amount when properly instructed by you inaccordance with this Agreement, we will be liable for damages proximatelycaused by the failure or error. However, there are some exceptions. We are notliable, for instance:

 

▪      If the Available Balance in yourAccount is not sufficient to complete the transaction through no fault of ours.

▪      If the ATM you use does not haveenough cash.

▪      If the failure is due to anequipment or system breakdown, such as a problem with the Online BankingServices provided by the Program Partner, that you knew about before you begana transaction.

▪      The failure was caused by an Actof God, fire or other catastrophe, or any other cause beyond our controldespite reasonable precautions we have taken.

▪      If your funds are not availabledue to a hold or if your funds are subject to legal process.

▪      If we do not complete atransaction because we or Unit has reason to believe the transaction isunauthorized or illegal.

▪      If your Account is closed orinactive.

▪      There may be additional exceptionsstated in our or the Program Partner’s agreements with you or permitted by law.

 

8.5.   OurBusiness Days

Our business days are Monday through Friday, excludingfederal holidays.

8.6.   Your Rightto Information and Documentation of Your Card Transactions

You will receive information anddocumentation concerning any Card transactions that debit or credit yourAccount in the following ways:

 

▪      Statements:We will provide you information about each Card transaction that debits orcredits your Account on your statements. Please refer to your Account Agreementfor information about statements and other ways you may be able to access yourtransaction history and other Account information.

▪      Receipts:You will have the option to receive a receipt when making a withdrawal from anATM or when you make a POS purchase at a merchant.

8.7.  Recurring Card Payments (Preauthorized Transfers)

If you authorize a merchant orother third party to automatically initiate a payment using your Card on arecurring basis, you must do so in writing. If you are issued a new Card with adifferent expiration date or a different number, we may (but are not obligatedto) provide your new Card number and expiration date to a merchant or otherthird party with whom you have set up a recurring pre-authorized card paymentin order to facilitate the continuation of your authorized recurringtransactions.

 

If you do not wish Visa to provideyour new Card number and/or expiration date to merchants or other thirdparties, please let us know by emailing us at support@grind24.co.

 

8.7.1.  Notice of Varying Amounts

If you have authorized a merchantto originate regular pre-authorized debits to your Account using your Card and ifthese payments vary in amount, the merchant you are going to pay is required tonotify you, 10 days before each payment, when it will be made and how much itwill be. You may be given the option to choose to get this notice only when thepayment would differ by more than a certain amount from the previous payment orwhen the amount would fall outside certain limits that you set.

 

8.7.2.  Your Right to Stop Payment

To stop payment on apre-authorized transaction, email us at support@grind24.co.

 

We must receive your stop-paymentrequest at least three business days before the payment is scheduled to bemade. If you call, we may also require you to put your request in writing andprovide it to us within 14 days after you call. If we require writtenconfirmation and do not receive it, we may remove the stop-payment order after14 days.

 

Make sure to provide us with (1)your name, (2) your Account number, (3) the company or person taking thepayments, and (4) the date and amount of the scheduled payment you wish tostop. If you want all future payments from that company or person stopped, besure to tell us that as well. If you do not provide us with the correctinformation, such as the correct payee or the correct amount of the payment youwish to stop, we may not be able to stop the payment.

 

You may be charged a fee for eachstop payment you request under your Account Agreement.  Please refer to your Account Agreement forfees applicable to your Account.

 

8.7.3.  Our Liability if We Fail To Stop a Preauthorized Transfer

If you order us to stop one ofthese payments three (3) business days or more before the payment is scheduledand provide us with all information requested, and we do not do so, we will beliable for your losses or damages proximately caused by the failure. However,we will not be liable if the company or person initiating the payments changesthe dollar amount of the payment or makes other changes that cause us not torecognize it as the payment you requested be stopped.

 

8.8.   In Case of Errors or Questions About Your EFTs

If you think your statement orreceipt is wrong or if you need more information about a transfer listed on astatement or receipt, as soon as you can contact 1-833-333-0417 for cardrelated transactions. For all other transactions contact us at [CLIENT specificphone][1]  or support@grind24.co. We must hear from you no later than sixty (60)days after we sent the FIRST statement on which the problem or error appeared.You must provide us with the following information:

 

▪      Tell us your name and Accountnumber.

▪      Describe the error or the EFT youare unsure about and explain as clearly as you can why you believe it is anerror or why you need more information.

▪      Tell us the dollar amount of the suspectederror.

▪      If you tell us orally, we mayrequire that you send us your complaint or question in writing by email withinten (10) business days.

Wewill determine whether an error occurred within ten (10) business days after wehear from you and will tell you the results and correct any error promptly. Ifwe need more time, we may take up to forty-five (45) days—or ninety (90) daysfor Accounts open less than thirty (30) days or foreign-initiated transactions— to investigate your complaint or question. If we decide to do this, we willcredit your Account within ten (10) business days for the amount you think isin error, so that you will have the use of the money during the time it takesus to complete our investigation. If we ask you to put your complaint orquestion in writing and we do not receive it within ten (10) business days, wemay not credit your account. For Accounts open less than thirty (30) days, wemay take up to twenty (20) business days to credit your Account for the amountyou think is in error.

We will tell you the resultswithin three (3) business days after completing our investigation. If we decidethat there was no error, we will send you a written explanation by email. Youmay ask for copies of the documents that we used in our investigation.

 

9.         Change of Terms

Wecan change the term of this Agreement at any time. We will provide advancenotice to you of a change in terms where required by law.

10.      AccountInformation Disclosed to Third Parties

Wewill disclose information to third parties about your account or the transfersyou make:

▪      Where it is necessary forcompleting the transaction

▪      To verify the existence andcondition of your account with us (such as to confirm that sufficient funds areavailable to cover specific transactions) upon the request from a third party(such as a credit bureau or merchant)

▪      To comply with government agencyor court orders

▪      If you give us your writtenpermission

Youcan more fully understand how we use your information by referring to theBank’s Privacy Policy at https://www.mybrb.com/privacy-policy.html and the Third Party Program Service Provider’s Policy at https://www.unit.co/clients-privacy-policy.

11.      Cancellation

Wemay refuse to issue, deactivate, revoke, suspend or cancel your Card at anytime with or without notice to you, other than as required by law. Thisincludes deactivating or canceling your Card if it has been lost or stolen toprevent unauthorized transactions. You agree not to use your Card once it hasbeen deactivated, revoked, suspended or canceled. We may also limit your use ofthe Card, including limiting or prohibiting specific types of transactions. Ifyou would like to cancel your Card, you may do so at any time by contacting usthrough the Online Banking Services or by emailing at support@grind24.co.  

Thecancellation of your Card privileges will not otherwise affect your rights andobligations related to your Account.

Grind to provide phone number whenavailable.