US Unlocked Virtual Prepaid Account Agreement


  1. Terms and Conditions for the US Unlocked Virtual Prepaid Mastercard®.  This document constitutes the agreement (“Agreement”) outlining the terms and conditions under which the US Unlocked Virtual Prepaid Mastercard Account has been established for you by Metropolitan Commercial Bank (Member FDIC) pursuant to a license from Mastercard International. “Metropolitan Commercial Bank” and “Metropolitan” are registered trademarks of Metropolitan Commercial Bank © 2014. The “Program Manager” for this US Unlocked Virtual Prepaid Mastercard is FirstView, LLC and the Customer Service telephone number is 1-855-298-8362. By accepting and/or using this Virtual Card, you agree to be bound by the terms and conditions contained in this Agreement. In this Agreement, “Virtual Card” means the US Unlocked Virtual Prepaid Mastercard issued to you by Metropolitan Commercial Bank. “Virtual Card Account” means the custodial sub-account we maintain on your behalf to account for the transactions made with your Virtual Card, or Virtual Card Number.  “Virtual Card Number” is the 16-digit number associated with your Virtual Card.  “You” and “your” means the person or persons who have received the Virtual Card and who are authorized to use the Virtual Card as provided for in this agreement.  “We,” “us,” and “our” mean Metropolitan Commercial Bank, our successors, affiliates or assignees. The Virtual 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.

    To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions and their third parties to obtain, verify, and record information that identifies each person who obtains a Virtual Card. What this means for you: When you apply for a Virtual Card, we will ask for your name, address, date of birth, social security number or country identification number, and other information that will allow us to identify you. We may also ask for your driver’s license number or other documentation bearing your photo as verification of your identity. By participating in the Virtual Card program, you warrant factual representation of the required information is accurate, including, but not limited to, your real name, valid U.S. mailing address and residential address (if different), social security number or other identification documentation, date of birth, and telephone number. If you falsify, misrepresent, or fail to provide requested information, we may cancel your Virtual Card. In addition, funds tied to suspected illicit or illegal activity may be subject to both internal and potentially Federal investigation.  We reserve the right to restrict or delay your access to any such funds.

  1. Your Virtual Card.  The Virtual Card is a prepaid card account. The Virtual Card allows you to access funds loaded or deposited to your Virtual Card Account by you.  The funds in your Virtual Card Account will be FDIC-insured once we have been able to verify your identity.  You may access the funds in your Virtual Card Account by using your Virtual Card Number or by automated clearinghouse (ACH). The Virtual Card is not a credit card.  The Virtual Card is not a gift card, nor is it intended for gifting purposes. You will not receive any interest on your funds on the Virtual Card. The funds in your Virtual Card Account will not expire, regardless of the expiration date given at the time of issuance.


  1. FEES:  THE FEES RELATING TO THE USE (AND MISUSE) OF YOUR VIRTUAL CARD ARE SET FORTH IN THE“SCHEDULE OF FEES AND CHARGES”ATTACHED TO THIS AGREEMENT AND INCORPORATED HEREIN BY REFERENCE. FEES INCURRED PURSUANT TO THE TERMS OF THIS AGREEMENT WILL BE WITHDRAWN FROM YOUR VIRTUAL CARD ACCOUNT AND WILL BE ASSESSED SO LONG AS THERE IS A REMAINING BALANCE IN YOUR VIRTUAL CARD ACCOUNT, UNLESS PROHIBITED BY LAW. You agree to pay to pay all fees associated with the Virtual Card. Fees are set forth in the “Schedule of Fees and Charges” section of this Agreement. We may from time to time amend the Fee Schedule, at our sole discretion as set forth in the section of this Agreement entitled, “Amendment and Cancellation. “If you request a service that is not included in this “Schedule of Fees and Charges” and there is a fee for such service, such fee will be disclosed at the time you request the service and you agree that any such fee may be deducted from your Virtual Card Account.
  2. Virtual Card Account Use and Purpose.  Subject to the limitations set forth in this Agreement, you may use your Virtual Card or Virtual Card Number to: (1) add funds to your Virtual Card Account (as described in the Section titled “Adding Funds to Your Virtual Card Account”), and (2) purchase goods or services wherever your Virtual Card is honored as long as you do not exceed the value available in your Virtual Card Account. There may be fees associated with some of these transactions. For fee information, see the “Schedule of Fees and Charges” attached to this Agreement.   You agree not to use your Virtual Card Account for illegal gambling or any other illegal purpose.
  3. Limitations on Frequency and Dollar Amounts of Transactions. The total amount of purchases that you can perform in any single day is limited to the amounts set forth in the enclosed Schedule A –Cardholder Fees and Transaction Limits.  The maximum combined value of your Virtual Card Account is restricted to $3,500.00 at any point in time.  We will determine any maximum value by combining the activity and value of all Virtual Card Accounts you may have with us.  For security reasons, we may further limit the number or dollar amount of transactions you can make with your Virtual Card.
  4. Adding Funds to Your Virtual Card Account.  You may add funds to your Virtual Card Account (called “value loading”) at any time.  Absent special approval, the maximum combined value of funds in your Virtual Card Account(s) may not exceed $3,500.00 at any time. You agree to meet identification requirements to complete value load transactions as may be required from time to time.
  5. Transactions Using Your Virtual Card Number. Although you initiate a transaction by providing your Virtual Card Number without the use of a physical Card (whether for a mail order, Internet or telephone purchase, or an ACH debit purchase), the legal effect will be the same as if you used a Card to conduct a PIN transaction for such purchases.
  6. Your Obligation for Negative Balance Transactions. Each time you initiate a Virtual Card transaction, you authorize us to reduce the funds available in your Virtual Card Account by the amount of the transaction and all associated fees. You are not allowed to exceed the available amount in your Virtual Card Account through an individual transaction or a series of transactions (creating a “negative balance”).  Nevertheless, if any transactions cause the balance in your Virtual Card Account to go negative, including any purchase transactions where the retailer or merchant does not request authorization, you shall remain fully liable to us for the amount of any negative balance and any corresponding transaction fees.  You may also be liable for any related Insufficient Funds/NSF Fee(s) as set forth in the accompanying “Schedule of Fees and Charges.”  We reserve the right to bill you for any negative balance or to recoup such negative balance from any other Virtual Card we have issued to you. You agree to pay us promptly for the negative balance and any related fees. We also reserve the right to cancel your Virtual Card should you create one or more negative balances with your Virtual Card.
  7. Business Days. Our business days are Monday through Friday, excluding federal and legal banking holidays in the State of New York.
  8. Recurring Transactions.  If you intend to use the Virtual Card for recurring transactions, you should monitor your balance and ensure you have funds available in your Virtual Card Account to cover the transactions. “Recurring transactions” are transactions that are authorized in advance by you to be charged to your Virtual Card at substantially regular intervals. We are not responsible if a recurring transaction is declined because you have not maintained a sufficient balance in your Virtual Card Account to cover the transaction.  If these recurring transactions vary in amount, the person you are going to pay should tell you 10 days before each payment, when it will be made and how much it will be. (You may choose instead to get this notice only when the payment would differ by more than a certain amount from the previous payment, or when the amount would fall outside certain limits that you set.)
  9. Returns and Refunds.  If you are entitled to a refund for any reason for goods or services obtained with your Virtual Card, you agree to accept credits to your Virtual Card Account for such refunds. You are not entitled to a check refund unless your Virtual Card Account has been closed. The amounts credited to your Virtual Card Account for refunds may not be available for up to five (5) days from the date the refund transaction occurred.
  10. Virtual Card Cancellation and Suspension; Limits. We reserve the right, in our sole discretion, to limit your use of the Virtual Card, including limiting or prohibiting specific types of transactions. We may refuse to issue a Virtual Card, revoke Virtual Card privileges or cancel your Virtual Card with or without cause or notice, other than as required by applicable law. If you would like to cancel the use of your Virtual Card, you may do so by contacting Customer Service at [email protected]. You agree not to use or allow others to use an expired, revoked, cancelled, suspended or otherwise invalid Virtual Card. Our cancellation of Virtual Card privileges will not otherwise affect your rights and obligations under this Agreement. If we cancel or suspend your Virtual Card privileges through no fault of yours, you will be entitled to a refund as provided below in the Section entitled “Amendment and Cancellation.” Not all services described in this Agreement are available to all persons or at all locations. We reserve the right to limit, at our sole discretion, the provision of any such services to any person or in any location. Any offer of a service in this Agreement shall be deemed void where prohibited. We can waive or delay enforcement of any of its rights under this Agreement without losing them.
  11. International Transaction Fee.  If you initiate a transaction in a currency or country other than the currency or country in which your Card was issued, the amount deducted from your funds will be converted by Mastercard International into an amount in the currency of your Card. Mastercard International will establish a currency conversion rate for this convenience using a rate selected by Mastercard International from the range of rates available in wholesale currency markets for the applicable central processing date which may vary from the rate Mastercard International itself receives, or the government mandated rate in effect for the applicable central processing date, in each instance, plus or minus any adjustment determined by us. If you obtain your funds in a currency or country other than the currency or country in which your Card was issued, we may increase the currency conversion rate (described in the immediately preceding section) up to an additional 2% of the transaction amount and will retain this amount as compensation for our services. This charge is independent of and in addition to the currency conversion rate established by Mastercard International.
  12. Receipts.  You should get or request a receipt at the time you make a transaction. You agree to retain your receipt to verify your transactions.
  13. Obtaining Balance and Transaction Information for Your Virtual Card; Periodic Statements.  You should keep track of the amount of funds available in your Virtual Card Account. You may obtain information about the amount of funds you have remaining in your Virtual Card Account by logging into your account online at You also have the right to obtain a written history of at least 60 days by law, some programs may give more than the 60 day requirement.  To obtain a written history of account transactions by writing us at [email protected] There may be a fee for obtaining a written history (see the “Schedule of Fees and Charges” accompanying this Agreement).
  14. Confidentiality.  We may disclose information to third parties about your Virtual Card or the transactions you make using your Virtual Card: (1) where it is necessary for completing transactions; (2) in order to verify the existence and condition of your Virtual Card Account for a third party, such as a merchant; (3) in order to comply with government agency, court order, or other legal reporting requirements; (4) if you give us your written permission; (5) to our employees, auditors, affiliates, service providers, or attorneys as needed; and (6) as otherwise provided in our Privacy Policy Notice below.
  15. Our Liability for Failure to Complete Transactions.  In no event will we be liable for consequential damages (including lost profits), extraordinary damages, special or punitive damages. We will not be liable, for instance: (1) if, through no fault of ours, you do not have enough funds available in your Virtual Card Account to complete the transaction; (2) if a merchant refuses to accept your Virtual Card Number; (3) if access to your Virtual Card Number has been blocked after you reported your Virtual Card Number compromised; (4) if there is a hold or your funds are subject to legal process or other encumbrance restricting their use; (5) if we have reason to believe the requested transaction is unauthorized; (6) 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; (7) any other exception stated in our Agreement with you.
  16. In Case of Errors or Questions about your Virtual Card Account.  Contact Customer Service at [email protected] as soon as you can, if you think an error has occurred in your Virtual Card Account. If your Virtual Card receives wages, salary, or other employee compensation that are made on a recurring basis or you receive electronic deposits of Federal payments to your Virtual Card, the following provisions of this Section also apply: We must allow you to report an error until sixty (60) days after the earlier of the date you electronically access your Virtual Card Account, if the error could be viewed in your electronic history, or the date we sent the FIRST written history on which the error appeared. You may request a written history of your transactions at any time by contacting us  us [email protected].You will need to tell us: (1) your name and Virtual Card Number; (2) why you believe there is an error, and the dollar amount involved, and (3) approximately when the error took place. If you tell us orally, we will require that you send your complaint or question in writing within ten (10) business days. We will determine whether an error occurred within ten (10) business days  after we hear from you and will correct any error promptly.  If we need more time, however, we may take up to forty-five (45) days to investigate your complaint or question.  If we decide to do this, we will credit your Virtual Card within ten (10) business days  for the amount you think is in error, so that you will have the use of the money during the time it takes to complete the investigation.  If you do not have wages, salary, or other employee compensation that are made on a recurring basis or federal payments (for example, Social Security benefits, tax refunds or other government payments) deposited to your Virtual Card Account, we may not credit your Card.  If we ask you to put your complaint or question in writing and you do not provide it within ten (10) business days, we may not credit your Virtual Card.  For errors involving new Virtual Cards, POS transactions, or foreign-initiated transactions, we may take up to ninety (90) days to investigate your complaint or question.  For new Card Accounts, we may take up to twenty (20) business days to credit your Card Account for the amount you think is in error.  We will tell you the results within three (3) business days after completing the investigation. If we decide that there was no error, we will send you a written explanation and debit your account for the amount of the provisional credit. You may ask for copies of the documents that we used in our investigation. If you need more information about our error-resolution procedures, contact us at [email protected]. If your Virtual Card does not receive wages, salary, or other employee compensation that are made on a recurring basis or does not receive electronic deposits of Federal payments, all of this Section applies, except we will not credit your Virtual Card Account until our investigation is complete and we have determined an error occurred.
  17. Unauthorized Transfers.  If you believe your Virtual Card Number has been accessed by an unauthorized party or you believe an unauthorized electronic transfer occurred without your permission, contact Customer Service at [email protected].A transaction is unauthorized if it is not initiated by you, you did not give permission to make the transaction and you do not benefit from the transaction in any way.
  18. Your Liability for Unauthorized Virtual Card Account Access.  You agree to exercise reasonable control over user ID(s); and password(s) related to your Virtual Card Number and your Virtual Card Account.  Tell us AT ONCE if you believe your Virtual Card Number has been compromised.  Also, if your transaction history shows transactions you did not make, including those made with your Virtual Card Account or Virtual Card Number or you believe an electronic transfer has been made without your permission, tell us at once. If you tell us within two (2) business days after you learn of the loss or theft of your Virtual Card Number, you can lose no more than $50.00 if someone used your Virtual Card Number without your permission. If you do NOT tell us within two (2) business days after you learn of the loss or theft of your Virtual Card Number, and we can prove that we could have stopped someone from using your Virtual Card Number without your permission if you had told us, you could lose as much as $500.00. If you do not tell us within sixty (60) days after the earlier of the date you electronically access your Account or the date we sent the FIRST written history on which the error appeared, you may not get back any money you lost after the sixty (60) days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good, documented, reason (such as a long trip or a hospital stay) kept you from telling us, we may extend the time periods. The following provisions of this Section apply to all Virtual Card Accounts: You will not be liable for unauthorized use that occurs after you notify us of the unauthorized use of your Virtual Card Number. You also agree to cooperate completely with us in attempts to recover funds from unauthorized users and to assist in their prosecution. We may issue replacement Virtual Card Number(s), but only after you have provided such proof and security or indemnification as we may require. In addition, you acknowledge that we may have to deactivate your Virtual Card Number(s) to prevent future losses. If you share your Virtual Card Number(s) with another person, use of your Virtual Card Number by that person may be considered as authorized. If you authorize another person to use your Virtual Card Number, you agree that you will be liable for all transactions arising from use of the Virtual Card Number by such person except as otherwise set forth in this Agreement. In all cases, our liability for an unauthorized transaction is limited to reimbursing you for the face amount of the unauthorized transaction and any corresponding fees, except as otherwise required by applicable law. As a Mastercard cardholder, Zero Liability applies to your purchases made in the store, over the telephone, online, or via a mobile device and ATM transactions. As a cardholder, you will not be held responsible for unauthorized transactions if:
    1. You have used reasonable care in protecting your card from loss or theft; and
    2. You promptly reported loss or theft to your financial institution.

    Note: Zero Liability does not apply to the following Mastercard payment cards: commercial cards, or unregistered prepaid cards, such as gift cards.

  19. Other Terms.  Your Virtual Card and your obligations under this Agreement may not be assigned. We may transfer our rights under this Agreement. Use of your Virtual Card Account 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. If any provision of this Agreement shall be determined to be invalid or unenforceable under any rule, law, or regulation of any governmental agency, whether local, state, or federal, the validity or enforceability of any other provision of this Agreement shall not be affected. This Agreement shall be governed by the law of the State of New York except to the extent preempted or governed by federal law.
  20. Amendment and Cancellation.  We may amend or change the terms and conditions of this Agreement at any time. You will be notified of any change in the manner provided by applicable law prior to the effective date of the change. However, if the change is made for security purposes, we can implement such change without prior notice. We may cancel or suspend your Virtual Card Number or this Agreement at any time. You also may cancel this Agreement by contacting Customer Service at [email protected]. Your termination of this Agreement will not affect any of our rights or your obligations arising under this Agreement prior to termination.
  21. 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 through your Virtual Card Account.
  22. Arbitration Provision.  This Arbitration Provision sets forth the circumstances and procedures under which claims (as defined below) shall be arbitrated instead of litigated in court upon the election of either party. (a) Definitions: As used in this Arbitration Provision, the term “Claim” means any claim, dispute or controversy between you and us, or between you and FirstView Financial, LLC or any of its agents or retailers, arising from or relating to the Virtual 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 Agreement. “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 Virtual Card; (ii) the amount of available funds in the Virtual Card Account; (iii) advertisements, promotions or oral or written statements related to the Virtual Card, goods or services purchased with the Virtual Card; (iv) the benefits and services related to the Virtual Cards; and (v) your enrollment for any Virtual 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 that court; any appeals from that court shall be pursued only in arbitration. As used in this 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 Virtual Card (including, but not limited to merchants who accept Virtual Card transactions, 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 Virtual Card, including but not limited to all persons or entities contractually obligated under any of the Agreements and all additional Virtual Cardholders. (b) 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 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 thirty (30) days after you receive notice of our election to select the other organization 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; and (ii) AAA at 335 Madison Avenue, New York, NY 10017; website at (c) 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 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; THE ARBITRATOR SHALL NOT CONDUCT A CLASS ARBITRATION OR A JOINT 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. (d) 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 Virtual 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. (e) 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. (f) 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 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. (g) Continuation: This Arbitration Provision shall survive termination of your Virtual Card as well as voluntary payment of the 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.
  23. 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.
  24. Delivery of Electronic Communications. The following E-Communication Disclosure (“Disclosure”) applies to any and all communications or disclosures that we are legally required to provide to you in writing in connection with your Virtual Card Account and any related products and services (“Communications”), to the extent you have consented to receiving such Communications electronically.  If you have not consented and would like to receive Communications electronically from us, please visit us online at

Scope of Communications to Be Provided in Electronic Form.  When you use a product or service to which this Disclosure applies, you agree that we may provide you with any Communications in electronic format, and that we may discontinue sending paper Communications to you, unless and until you withdraw your consent as described below.  Your consent to receive electronic Communications includes, but is not limited to:

  • All legal and regulatory disclosures and communications associated with your Virtual Card Account and any related products or services
  • Your Virtual Cardholder Agreement and any notices about a change in terms of your Virtual Cardholder Agreement
  • Privacy policies and notices
  • Error resolution policies and notices
  • Responses to claims filed in connection with your Virtual Card Account
  • Notices regarding insufficient funds or negative balances

Method of Providing Communications to You in Electronic Form.  All Communications that we provide to you in electronic form will be provided either (1) by access to a web site that we will designate in an e-mail notice we send to you at the time the information is available, or (2) by posting such Communications on our website at

How to Withdraw Consent.  You may withdraw your consent to receive Communications in electronic form at any time by contacting Customer Service at [email protected] or visiting the website.  If you do withdraw your consent, we will close your Virtual Card Account, except where prohibited by law.  We will not impose any fee to process the withdrawal of your consent to receive electronic Communications.  Any withdrawal of your consent to receive electronic Communications will be effective only after we have a reasonable period of time to process your request for withdrawal.  In the meantime, you will continue to receive Communications in electronic form.  If you withdraw your consent, the legal validity and enforceability of prior Communications delivered in electronic form will not be affected.

How to Update Your Records.  It is your responsibility to provide us with a true, accurate and complete e-mail address (if you have elected to receive e-mail messages from us), your contact information, and other information related to this Disclosure and your Virtual Card Account, and to maintain and update promptly any changes in this information.  You can update information (such as your e-mail address) through or by contacting Customer Service at [email protected].

Hardware and Software Requirements. In order to access, view, and retain Communications that we make available to you electronically, you must have: 

  • An Internet browser that supports 128 bit encryption
  • Microsoft Internet Explorer 4.7 or above, Netscape Navigator 4.7 or above, or the equivalent software.
  • Sufficient electronic storage capacity on your computer’s hard drive or other data storage unit
  • An e-mail account with an Internet service provider and e-mail software
  • A personal computer (for PCs: Pentium 120 Hhz or higher; for Macintosh, Power Mac 9500, Power PC 604 processor: 120-MHz Base or higher), operating system and telecommunications connections to the Internet capable of receiving, accessing, displaying, and either printing or storing Communications received from us in via a plain text-formatted e-mail or by access to our web site using one of the browsers specified above
  • Adobe Reader version 9.0 or higher

Requesting Paper Copies. We will not send you a paper copy of any Communication, unless you request it or we otherwise deem it appropriate to do so. You can obtain a paper copy of an electronic Communication by printing it yourself or by requesting that we mail you a paper copy, provided that such request is made within a reasonable time after we first provided the electronic Communication to you. To request a paper copy, contact us by emailing  [email protected]. We may charge you a service charge for the delivery of paper copies of certain Communications provided to you electronically pursuant to this authorization. See the attached “Schedule of Fees and Charges” for details about this service charge. We reserve the right, but assume no obligation, to provide a paper (instead of electronic) copy of any Communication that you have authorized us to provide electronically.

Termination/Changes. We reserve the right, in our sole discretion, to discontinue the provision of your electronic Communications, or to terminate or change the terms and conditions on which we provide electronic Communications. We will provide you with notice of any such termination or change as required by law.

Customer inquiries. Please email [email protected] Phone: 1-855-298-8362, available Mo-Fr 9-5 EST.