SMB Prepaid MasterCard® Card Cardholder
Agreement
Offered through Score LLC, Issued by New Millennium Bank
Welcome! Please take time to read this document. It contains the terms and conditions
that will govern your use of the SMB MasterCard Stored Value Card (the "Card").
These terms and conditions include a privacy policy, a provision for arbitration
(as indicated in the Notice below), and a schedule of fees and charges for the
issuance, maintenance and use of your Card. By accepting, signing, using (sometimes
referred to as making "transfers"), or adding value to (sometimes called "loading")
the Card, you agree to be bound by these terms and conditions. So be sure to
keep this Agreement for your records.
Notice of Arbitration Provision and Right to Reject It. This Agreement contains
an arbitration provision which appears below. Before accepting, signing, using
or adding value to the Card, you should read it carefully. Unless you reject
it in the manner described below, it may have a substantial impact on the way
in which you or we or the Issuer resolves any claim that we have against each
other.
GENERAL TERMS AND CONDITIONS
Definitions
Accept as otherwise provided in this Agreement, "Issuer" means
New Millennium Bank, which issues the Card. "You" and "your" refers
to the person who applies for and obtains a Card from the Issuer. "We," "us" and "our" refers
to Payroll Capital, LLC. "Website" refers to the site found at
www.scoremybills.com or any successor site that we or the Issuer may designate
with notice to you.
Applying for a Card and Identity Verification
To apply for the Card, you must be at least eighteen years old
and you must have a physical address in the United States (an address
where you reside, not a post office box or an address for receipt of
mail). You must also apply by yourself. Joint applications will be declined
by the Issuer.
When you apply for a Card, you will be asked for your name, address, date of
birth, and other personal information that will allow the Issuer to verify your
identity. You may also be asked to provide your current driver's license, an
unexpired government-issued identification card that contains your photograph,
or other identifying documents. The Issuer may decline your application if it
is not able to fully verify your personal information.
Credit or Information Inquiries
You authorize us and the Issuer to make such credit, employment,
and investigative inquiries as we or the Issuer deem appropriate in connection
with your application for, the issuance of and your use of the Card.
We or the Issuer can furnish information to consumer reporting agencies
and others who may properly receive that information.
Card Description
The Card is a MasterCard stored value card. It contains information
about amounts that you can use to purchase goods or services or to obtain
cash. This information is referred to as the "stored value" or
the "value stored" on your Card. The Card only accesses this
stored value. It is neither a credit card nor a debit card.
The value stored on the Card is not held by the Issuer in an individual checking,
savings, or other consumer asset account in your name. Instead, the value of
all Cards is held by the Issuer in an aggregate account. The Issuer does not
pay interest on the value stored on your Card and that value is not FDIC-insured.
Loading Value on Your Card
Once your application is approved, you must load an initial
stored value on your Card. This amount is in addition to any fees assessed
in connection with your application for and the issuance of your Card.
You can load value to the Card at any authorized retail load locations ( Please
see the back of the card carrier for authorized retail distributors) or you can
load the card by direct deposit. You may be assessed load fees
and convenience fees in connection with any subsequent addition of value to the
Card.
There are limits on the value you can load on your Card and on how you pay for
that value. The minimum amount that you can load at any time is $5.00. The maximum
amount that you can load at anytime is $5,000.00. The maximum stored value on
the Card at any time is $5,000.00. All payments for value must be in cash.
Activating Your Card
After you have loaded the initial stored value on your Card,
you can activate your Card and obtain a Personal Identification Number
("PIN") which you select by calling (866) 404-6656.
Using Your Card
Once the Card is activated, you may use the Card to pay for
purchases from participating merchants or point of sale terminals ("POS")
that accept the Card or to make payments or obtain cash from financial
institutions or automated teller machines (ATMs) that accept the Card.
You may use the Card by presenting the Card in person, or, when permitted
to do so, by giving your name, the Card number, the expiration date,
and any additional information requested. Merchants, financial institutions,
and ATMs that accept the Card will display the MasterCard or Cirrus logo.
Use of the Card May Not Exceed the Stored Value
If the value stored on your Card is not enough to pay for a
purchase or cash transaction, then let the merchant or financial institution
know ahead of time. If the merchant or financial institution consents,
then you may be able to pay the difference between the value stored on
your Card and what you owe the merchant or financial institution by giving
the merchant or financial institution cash for the difference.
Otherwise, you may not use your Card to make a purchase or to make a payment
or obtain cash in excess of the value stored on your Card. If for any reason
a purchase or cash transaction occurs which exceeds the value on the Card, you
are responsible for repaying the Issuer in full the amount by which the transaction
has exceeded the value stored on your Card.
In addition, there are circumstances where all of the value stored on the Card
will not be available to you. This may happen because of a merchant preauthorization
or hold.
Merchant Pre-authorizations and Holds
In some cases, when you present your Card to a merchant, such
as a hotel, car rental company, or restaurant, the merchant may obtain
a preauthorization for the transaction. When a merchant does this, a
hold is placed on the value on the Card in the amount of the preauthorization
requested by the merchant.
The hold will normally expire when you pay for the transaction using the stored
value on your Card. However, if the transaction costs less than the amount on
hold, the difference may be available to you for up to thirty days. Similarly,
if you cancel the transaction, or make other arrangements for payment, the amount
on hold may be available to you for up to thirty days.
Using Your Card at POS Terminals and ATMs
You must follow certain procedures to use your Card at POS terminals
and ATMs. You must select "Credit" not "Debit" when
using your Card at self-service POS terminals, like those at grocery
or convenience stores. You must select "Credit Card" when using
your Card to obtain cash at ATMs.
Limitations on Cash Withdrawals at ATMs
You may obtain only two cash withdrawals from ATMs in any 24-hour
period. For security reasons, there may be other limits on the number
and dollar amount of transactions with the Card.
Conversion to U.S. Dollars
If you use the Card for a transaction in a currency other than
U.S. dollars, MasterCard International will convert the transaction amount
into a U.S. dollar amount by using its currency conversion procedure.
Under this procedure, the non-U.S. dollar amount is multiplied by a currency
conversion rate to obtain a U.S. dollar amount.
The currency conversion rate that MasterCard International typically uses is
either a government-mandated rate, or a wholesale rate provided to it, increased
by a percentage or margin or fee. This percentage or margin or fee is currently
1% and is charged directly by MasterCard International. It is subject to change
without notice.
The currency conversion rate that MasterCard International uses for a particular
transaction is the rate it uses for the applicable currency when the transaction
is processed. This rate may differ from the rate in effect when the transaction
occurred or when it is deducted from the value stored on the Card. This rate
will not be disclosed on the statement that shows the transaction, please call
customer service with any questions.
Fees and Charges for Your Card
There are fees and charges relating to your application for,
the issuance of, and your use of the Card. Those fees and charges are
set forth in a schedule at the end of this Agreement.
Repayment of Amounts You Owe
The Issuer may automatically deduct any amount you owe under
this Agreement any time value is loaded on the Card. If you fail to pay
the Issuer for any amount you owe under this Agreement, then, to the
extent permitted by law, you agree to pay any reasonable collection costs
incurred by the Issuer in collecting that amount and, if the Issuer refers
your obligation to a lawyer who is not a salaried employee of the Issuer,
you agree to pay any reasonable attorneys' fees incurred, plus the costs
and expenses of any legal action.
Basic Safety Precautions
Follow these basic safety precautions with your Card:
(I.) As soon as you receive your Card, sign your name in the space on the back
of the Card directly below the words "Authorized Signature."
(II.) Do not write the PIN on the Card and do not disclose the PIN or otherwise
make it available to anyone.
(III.) When using the Card and PIN, be alert to your surroundings.
(IV.) Do not use your Card and PIN if circumstances cause you to be apprehensive
for your safety.
(V.) Close the entry door of any ATM facility equipped with a door.
(VI.) When you use your Card and PIN to get cash at an ATM, make sure that you
place the cash in a secure place before leaving the ATM.
Direct complaints concerning ATM security to the operator of the ATM or to the
New Jersey Department of Banking. The telephone number for the New Jersey Department
of Banking is 609-984-2777.
Notices
We and the Issuer may send you notices and disclosures concerning
your Card by U.S. mail. These notices and disclosures could include notices
of changes to the terms and conditions that apply to your Card, notices
of changes to the software or hardware required in order to access and
retain copies of your Card statements that are posted on our web-site,
Card cancellation notices, annual privacy policy disclosures, and other
notices and disclosures.
You must notify us if you're mailing address changes. P.O. Box 71402, Salt Lake
City UT 84171 or by calling us at the Customer Service telephone number listed
below. If you fail to do so, or if mail that is sent to the most recent address
on file for your Card is returned as undeliverable, the Issuer may cancel your
Card.
Canceling Your Card
The Issuer may cancel the Card at any time. If the Issuer cancels
the Card, you will receive any remaining balance back in the form of
a check, which will be mailed within 30 days.
If you wish to cancel your Card, you may obtain the value stored on the Card,
less a termination fee and less any other fees, charges or amounts due, by mailing
your Card, along with a written request for the disbursement of the value remaining
on your Card, to the Issuer at the Customer Service address below (or the address,
if different, shown on your Card statement for errors and inquiries).
Cancellation of the Card will not affect any of your obligations arising under
this Agreement prior to cancellation and will not affect the provision for arbitration.
In Case of Lost or Stolen Cards or PINs
If your Card or PIN has been lost or stolen, please follow the
procedure outlined below and your Card or PIN will be replaced. If your
Card is replaced, the value stored on the replacement Card will be reduced
by the replacement card fee, any other fees, charges, or amounts due,
and any use of the lost or stolen Card for which you are responsible.
If you believe your Card or PIN has been lost or stolen or that someone has transferred
or may transfer value from your Card without your permission, contact the Issuer
IMMEDIATELY at the Customer Service telephone number listed below or the Customer
Service address listed below (or the address, if different, shown on your Card
statement for errors and inquiries). Telephoning is the best way of keeping your
possible losses down.
If you do NOT contact Customer Service within two business days after you learn
of the loss or theft of your Card or PIN, and the Issuer can prove it could have
stopped someone from using your Card without your permission if you had contacted
Customer Service, you could lose as much as $50 (or, if less, the full amount
of value stored on the Card).
Also, if your Card statement shows transfers that you did not make, contact Customer
Service at once. If you do not tell the Issuer within 60 days after the Card
statement was mailed to you, you may not get back any value stored on the Card
that you lost after the 60 days if the Issuer can prove that it could have stopped
someone from using the value stored on the Card if you had told the Issuer in
time.
If a good reason (such as a long trip or a hospital stay) kept you from telling
the Issuer, the Issuer will extend the time periods.
For purposes of these disclosures, the Issuer's business days are Monday through
Friday, excluding Federal and New Jersey holidays.
When You Will Not Be Liable for Use of Your Card
You will not be liable for the use of your Card without your
permission, even if your Card was lost or stolen, if:
(i) You reasonably demonstrate to the Issuer that you exercised reasonable care
in safeguarding your Card and PIN from risk of loss and theft; Your Card is in
good standing (for example, not presently or recently overdrawn, and not presently
or recently under suspicion of possible illegal or suspicious use);
The Issuer has not received more than one other report of unauthorized use of
your Card in the previous twelve months; and The unauthorized use of your Card
was processed directly through MasterCard and not through the POS or ATM network
of another financial institution or third party. However, you may still be liable
for the use of your Card without your permission if we or the Issuer ask you
for a written statement, affidavit or other information in support of your claim
and you do not provide the statement, affidavit or information within the time
requested or within a reasonable time if no time is requested.
Confidentiality
The Issuer may disclose information to third parties about your
Card or the transfers you make:
(ii) Where it is necessary for completing transfers; or
In order to verify the existence and condition of your Card for a third party,
such as a credit bureau or merchant; or In order to comply with government agency
or court orders or in connection with examinations by state and federal banking
regulators, or
In order to determine if your Card is being used by an unauthorized user or in
a fraudulent manner; or In order to resolve an error or an inquiry as to an alleged
error; or
In order to collect amounts due or to report losses incurred; or
In order to comply with any agreement between the Issuer and a professional,
regulatory, or disciplinary body; or In connection with potential sales of business;
or
If permitted under applicable state and Federal privacy laws; or If you give
the Issuer your written permission.
Documentation
You can get a receipt when you use your Card at a POS terminal
or ATM.
No Preauthorized Transfers, Special Instructions or Stop Payment Orders
The following restrictions apply to your use of the Card. You may not use your
Card to make regular preauthorized transfers. You may not give any special instructions
that would restrict or limit acceptance or use of the Card. And you may not stop
any transfer made using the Card.
Liability for Failure to Complete a Transfer
If the Issuer has agreed to complete a transfer to or from your
Card and does not do so on time or in the correct amount, the Issuer
will be liable for your losses or damages. However, there are some exceptions.
The Issuer will not be liable, for instance:
(I.) If, through no fault of the Issuer, you do not have enough value stored
on your Card to make the transfer or the value is blocked from access by legal
proceedings or otherwise subject to a hold; or
(II.) If the ATM where you are making the transfer does not have enough cash;
or
(III.) If the ATM where you are making the transfer was not working properly
and you knew about the breakdown when you started the transfer; or
(IV.) If circumstances beyond the control of the Issuer (such as fire or flood)
prevent the transfer, despite reasonable precautions that that Issuer has taken;
or
(V.) If you do not give your correct PIN when starting the transfer; or
(VI.) If your Card has deteriorated or been damaged so that it does not function
properly; or
(VII.) If you do not follow the procedures in this Agreement; or
(VIII.) If the transfer would not be within the daily limit described in the "Limitations
on Using Your Card" section of this Agreement; or
(IX.) If you or we and the Issuer have terminated this Agreement or canceled
your Card; or
(X.) If your Card or PIN has been reported lost or stolen; or
(XI. If other exceptions occur as stated in this Agreement or as permitted or
required by applicable law.
In Case of Errors or Questions about Transactions
Telephone the Issuer at the Customer Service telephone number
listed below, or write the Issuer at the Customer Service address listed
below, or visit our website, print the dispute form and follow the instructions
for using that form, as soon as you can, if you think a Card statement
or POS or ATM receipt is wrong or if you need more information about
a transaction listed on the Card statement or receipt. The Issuer must
hear from you no later than 60 days after the Card statement on which
the problem or error appeared was FIRST made available to you.
The following information must be contained in that notice:
(i) Your name and the Card number. A description of the error
or the transaction you are unsure about and a clear explanation of why
you believe it is an error or why you need more information.
The dollar amount of the suspected error.
If you telephone the Issuer (by using the Customer Service telephone number listed
below), you must send your complaint or question in writing within ten business
days to the Customer Service address listed below (or the address, if different,
shown on your Card statement for errors and inquiries).
Generally, the Issuer will tell you the results of its investigation within ten
business days after the Issuer hears from you and will correct any error promptly.
Where appropriate, the Issuer may correct an error by crediting the value on
the Card for the amount in error. However, you will not be entitled to interest
on any amount deducted in error from the value on the Card.
If the Issuer needs more time, however, the Issuer may take up to 45 calendar
days to investigate your complaint or question. If the Issuer needs this extra
time, the Issuer will, within ten business days, credit the value on the Card
for the amount you think is in error so that you will have use of the stored
Value in question during the time it takes the Issuer to complete the investigation.
If you are asked to put your complaint or question in writing and the Issuer
does not receive written confirmation of your oral notice within ten business
days, the Issuer will not credit the value on the Card.
For errors involving new Cards (generally Cards that have been issued for 30
days or less), point-of-sale, or foreign-initiated transactions, the Issuer may
take up to 90 days to investigate your complaint or question. For new Cards (generally
Cards that have been issued for 30 days or less), the Issuer may take up to 20
business days to credit the value on your Card for the amount you think is in
error.
The Issuer will tell you the results within three business days after completing
its investigation. If the Issuer decides that there was no error, it will send
you a written explanation. You may ask for copies of the documents that the Issuer
used in its investigation.
Amendment
The Issuer may at any time, and from time to time, add to, delete
from or modify the terms of this Agreement. To the extent permitted by
applicable law, the Issuer may amend the terms of the Agreement regardless
of whether the Card has expired or has been deemed abandoned on other
side donned. The Issuer will notify you of any change prior to the effective
date of the change. The Issuer may include any such notice in the same
envelope with a statement of your Card activity and the value stored
on your Card or as part of such a statement or in other materials sent
to you.
Customer Service Contact Information
Score LLC
223 Morrison Rd
Brandon, Florida 33511
E-mail: support@scoremybills.com
Web: www.scoremybills.com
Phone: (866) 404-6656
Applicable Law
Except as otherwise provided in this Agreement, this Agreement will
be governed by Federal law and the laws of the State of New Jersey to the extent
not preempted by Federal law.
Interpreting this Agreement
If any provision of this Agreement is deemed unlawful, void,
or for any reason unenforceable, then that provision shall be deemed
severable from this Agreement and it shall not affect the validity and
enforceability of any remaining provisions.
The headings in this Agreement are only for convenient reference, and do not
limit or define any rights or obligations of yours, of ours, or of the Issuer.
Any failure to enforce the strict performance of any provision of this Agreement
will not be a waiver of the right to subsequently enforce such provision or any
other provision of this Agreement.
Assignment of this Agreement
You may not assign the Card or your obligations under this Agreement
to anyone else. The Issuer may assign its rights under this Agreement.
Survival
The provisions of the Agreement shall survive the cancellation
or expiration of the Card and any bankruptcy by you, to the extent consistent
with bankruptcy law.
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