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East West Bank Unionpay Prepaid Card Agreement and Disclosure

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East West Bank Unionpay Prepaid Card Agreement and Disclosure EAST WEST BANK UNIONPAY PREPAID CARD AGREEMENT AND DISCLOSURE Effective: April 15, 2019 This Agreement and Disclosure (“Agreement”) specifies the rights and obligations between East West Bank (“Bank,” “we,” “our,” “us”) and you (“you” or “your”) regarding the issuance and use of the East West Bank UnionPay Prepaid Card (“Prepaid Card”) as provided for in this Agreement. By activating the Card you agree to be bound by the terms and conditions in this Agreement, as may be amended from time to time. The Card is a UnionPay prepaid card redeemable as described below. Your Prepaid Card will not be issued until we have completed our verification process. You have previously consented to our verification process by applying for the Prepaid Card. Our verification process is described below under “Card Verification Process.” The Card is NOT a credit card. The Card is not connected in any way to any other account. You will not receive any interest on the funds loaded onto your Card. 1. DEFINITIONS. Here are some important terms that we use throughout this agreement: Account: The financial tool with which we measure the balance on your Prepaid Card. While your account is not a deposit account established in your name, once your Card is properly registered the funds on your Card are held by us in a subaccount established for the East West Bank UnionPay Prepaid Card program and are covered by FDIC insurance up to the FDIC insurable amounts. You may only have one Card associated with an account at any one time. If your Card is closed (for example, because it is lost or stolen) we may issue a new Card connected to the same account. ACH (Automated Clearing House): An electronic deposit to, or withdrawal from, your account that we receive or send through the “automated clearing house” network. Common examples include a direct deposit of payroll and a one-time or recurring payment to a utility company. Please refer to the “List of All Fees for the East West Bank UnionPay Prepaid Card” for the specific services offered on this card. ATM (Automated Teller Machine): An electronic device that provides many of the same services as a teller, including withdrawals and deposits. Available Balance: To determine your Available Balance we start with the balance from the prior day and subtract any new settled transaction, which may include fees; apply any credits, which may include settled deposits you have initiated to this account, credit returns and any other credit. From this balance we subtract the following: a. Pending charges such as Card purchases that have been authorized but not settled, electronic payments or other transactions that we are obligated to pay or have already paid; b. Deposits that are not yet available for withdrawal under our Funds Availability Policy; and c. Any holds on your balance, such as holds on funds to comply with court orders or other legal requirements. Business day: Every day except Saturdays, Sundays and federal holidays. Some branches may close on a business day due to an emergency or to observe a state holiday. Direct deposit: An automatic electronic deposit made through the ACH network to your account by someone else, such as an employer issuing payroll or a government paying benefits. Please refer to the “List of All Fees for the East West Bank UnionPay Prepaid Card” for the specific services offered on this card. Hold on your account: Any amount of money that is in your account balance but that you cannot withdraw because of delayed funds availability, a court order or other reasons. Item: Any check, ACH, funds transfer, teller cash withdrawal, ATM withdrawal, Card purchase, fee, charge or other amount that is added to or subtracted from your balance. Load: Adding funds (depositing) to your balance on the Prepaid Card. Overdraft/Overdrawn: A negative balance, or the amount by which all the items presented to us on a business day exceed the available balance PIN: A four-digit personal identification number that you either select or request us to randomly generate and mail to you. A PIN is needed in order to use some of the features of the Card, such as ATM transactions. UnionPay Prepaid Card, Prepaid Card or Card: The reloadable general-purpose East West Bank branded prepaid card issued to you under this Agreement. 2. Card Issuance. Each Card will be issued in the applicable account owner’s name. It will also bear a unique identifying number and include a field for the signature of the cardholder. A unique personal identification number (“PIN”) will be required as provided in Section 5 below. Page 1 of 6 3. Conditions for Issuing Prepaid Card. Upon completion of our verification process, your Card will be issued to you. However, you will not have all the functionalities described in this Agreement and the “List of All Fees for the East West Bank UnionPay Prepaid Card” of an East West Bank UnionPay Prepaid Card until after you have completed the instructions to activate the Card in accordance with Section 5 “Activation.” You must be at least 18 years old in order to apply for and be issued a Card. If we notify you that we need additional information, you must provide the information or your Card will NOT be issued. Upon completion of the verification and activation processes, and unless we notify you otherwise, your Card will be capable of being reloaded as provided herein. 4. Card Verification Process. To help the government fight the funding of terrorism and money-laundering activities, Federal law requires all financial institutions to obtain, verify and record information that identifies each person who obtains a Card, such as your name, address, date of birth, identification number and other information that will allow us to identify you. What this means for you: If we are unable to verify your identity, we may ask you for additional information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents. You may be required to mail or fax copies of certain documents to us. You will have 10 days to provide us with supplemental information that we can use to verify your identity. You agree to notify us promptly if your address changes. 5. Activation. To activate the Card and select a personal identification number (“PIN”), you should follow the instructions provided at the time you receive your Card and provide the information requested. You may not use the Card or the services provided in this Agreement until you complete the instructions for activation and the Card is actually activated. 6. Card transactions. The Card is a reloadable general-purpose prepaid card we issued to you. Once you activate your personalized Card, your account will be opened and you will be able to use your Card and the services provided for in this Agreement. Your account may remain open even if your Card is closed. Unless we otherwise determine, we limit the number of UnionPay Prepaid Cards you may have open at any one time to one. If you do not select a PIN when you open your Card, you will need to select a PIN when you activate your Card. You can use your Card as follows: a. Initiate transactions at any ATM (including ATMs located outside the United States) participating in the Discover, Union Pay, Pulse or NYCE networks, as well as some out of network ATMs, and where available, cash withdrawals and balance inquiries. b. Pay for goods or services where Discover, Union Pay, Pulse or NYCE debit cards are accepted, excluding rental purchases, such as automobile rentals, boat rentals, truck and utility trailer rentals. c. Make one time ACH transfer of all AVAILABLE funds from your Card balance to a bank account at a U.S. depository institution designated by you as a funding account, by calling 888.317.1029 or visiting eastwestbank.com/UP and providing the requested information. Some of these services may not be available at all ATMs, terminals or merchant locations. We are not responsible for the refusal of any merchant to accept or honor a Card. Please refer to the “List of All Fees for the East West Bank UnionPay Prepaid Card” for more details on the specific services offered on this Card. The following additional services are not currently offered on this Card but may be available in the future. If and when any of these particular services are made available for your Card, such service will be subject to the terms and conditions of this Agreement. a. Obtain cash back at the point of sale at merchants participating in the Discover, Union Pay, Pulse or NYCE networks that offer cash back; b. Obtain cash back at point of sale terminals participating in the Discover, Union Pay, Pulse or NYCE networks that offer cash back; c. Receive an automatic electronic deposit made through the ACH network to your account by someone else such as an employer issuing payroll or a government paying benefits; d. Make recurring or one-time bill payments or ACH transfers from your account to someone else such as a merchant or third party to pay for goods or services; e. Transfer funds from the available balance on your Card to the account of another person with an open Prepaid Card; and f. Transfer funds from your available balance (except as provided in 6.c above) from your Card balance at most U.S. depository institutions. 7. Loading, Reloading and De-loading your Card. You may load value (add funds) to your Card subject to the terms of this Agreement and the “List of All Fees for the East West Bank UnionPay Prepaid Card.” You may be able to load your Card via direct ACH transfer or with cash at an East West Bank branch.
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