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Terms & Conditions

Ultimate Pass Visa Reloadable Terms and Conditions

SODEXO ULTIMATE PASS VISA® CARDHOLDER AGREEMENT 
IMPORTANT, PLEASE READ CAREFULLY

Please read this Cardholder Agreement (this “Agreement”) carefully and save it for future reference. This Agreement constitutes the agreement between you and Central National Bank & Trust of Enid, Oklahoma (the “Bank”) outlining the terms and conditions under which the Sodexo Ultimate Pass Visa Card (the “Card”) has been issued to you. The Bank is a member of the Federal Deposit Insurance Corporation (“FDIC”). The Card is issued by the Bank pursuant to a license from Visa USA Inc. In this Agreement, “you” and “your” means the person or persons who have received the Card and are authorized to use the Card as provided for in this Agreement (also referred to as “Cardholder”). “We”, “us” and “our” refer to the Bank, our successors, affiliates and assignees. By accepting and using, or authorizing any other person to use, your Card, you hereby agree to be bound by the terms and conditions contained in this Agreement and are responsible for all transactions involving the Card. The Card is a reloadable prepaid card which may only be used to conduct purchase transactions with Merchants (defined below).  You and the corporate sponsor that arranged for the Card to be issued to you (the “Sponsor”) may reload the Card from time to time pursuant to the terms of this Agreement. You acknowledge and agree that the value on the Card is limited to the funds that have been loaded onto the Card by you or on your behalf. The Card is NOT a credit card, charge card or debit card associated with a checking account. You will not receive any interest on your Card balance. The Card is not connected in any way to any other account.  The Card is not for resale.  The Card will remain the property of the Bank and must be surrendered upon demand.  The Card is nontransferable and may be canceled, repossessed or revoked at any time without prior notice subject to applicable law.  Retain your Card number and the Customer Service number in a separate place in case your Card is lost or stolen.

Registering Your Card; Creating User Name and Password.  IN ORDER TO USE YOUR CARD, YOU MUST FIRST REGISTER THE CARD at www.mypassinfo.com.  To help the government fight the funding of terrorism and money laundering activities, federal law requires us to obtain, verify and record information that identifies each person who obtains a Card.  What this means for you: when you register your Card, you must provide your name, address, date of birth and other information that will allow us to identify you.  We may also ask to see a copy of your driver’s license or other identifying documents.  Your Card will not be activated for use until you have successfully completed our identification verification process.  At the time of registration, or at any time after registration, you can also choose a confidential User Name and Password, which will enable you to access and utilize our website to monitor your Card account balance and transaction history. 

FDIC Insurance. All funds associated with the Card will be held by us in an account for your benefit, with the available balance of such funds to be reduced through your use of such funds or through the imposition of fees and other charges in accordance with the terms of this Agreement. If you have provided us with the personal information described in the section above labeled “Registering Your Card; Creating User Name and Password,” the funds associated with your Card will be insured to you by the FDIC up to the maximum amount specified by FDIC regulations.

Fee Schedule.
No fees are charged upon activation of your Card. The following fees may apply and will be deducted from your available Card balance. Any time your remaining Card balance is less than the fee amount being assessed, the balance on your Card will be applied to the fee amount, resulting in a zero balance on your Card. All fees will only be charged to the extent permitted by law.

 

Fee Type

Description

Amount

Card Usage

Inactivity   Fee

Monthly   Inactivity Fee

$3.00

Applies each month beginning in the   13th consecutive month following Card activation that your Card does not   reflect any purchase or load activity.

Loading

Load from   Cardholder’s Bank Account

Load by   Sponsor

$5.00

$0

Applies to   each load from the Cardholder’s bank account.

Other Fees

Lost/Stolen/Replacement   Cards

$5.95 plus   shipping

To replace a card that is damaged, lost,  stolen or expired, your card account will be charged $5.95 plus shipping.

Card Limits

 

Transaction   Type

Daily   Limit

Monthly   Limit

Card   Loading

Loads from   Cardholder’s Bank Account

Loads by   Sponsor

Max Card   Balance

$2,500

$2,500

$10,000

$2,500

$25,000

$10,000

Purchases   at Merchants

Purchases   at a Merchant

Online   Purchases

$10,000

$10,000

$10,000

$10,000


Loading the Card.
Funds may be loaded to your Card by you or the Sponsor at any time, subject to the limits set forth above and the other terms set forth herein.  You may add value to or reload your Card by transferring funds debited from your bank account through our website atwww.mypassinfo.com.   The Sponsor may load funds to your Card by remitting such funds to us for such purposes and in such manner as permitted by us from time to time. We reserve the right to delay the availability of funds loaded to your Card until such funds have been received by us from your funding source.  The limitations on load amounts are reflected in the table above and are subject to our risk management guidelines.  We may change these amounts at any time for security purposes or as we otherwise deem necessary or appropriate to comply with applicable law.

Using Your Card. Your Card may be used to make purchases at any merchant that accepts Visa® debit cards or cards associated with the NYCE network (each a “Merchant”). The Cards may not be used outside of the United States, including with any internet, mail order or telephone order merchants located outside of the United States. The Card may not be refunded or redeemed for cash except where required by law. You agree that you will use your Card in accordance with the terms of this Agreement and will not use your Card for any illegal transaction. We may refuse to process any transaction that we believe may violate the terms of this Agreement or applicable law. For identification purposes, we recommend that you sign the back of your Card upon receipt of the Card. At the time of each purchase using the Card, you will be asked to sign a receipt for the transaction or to enter a PIN on a PIN pad. The dollar amount of each purchase for which you use the Card, and any applicable fees, will be deducted from the available funds associated with your Card. You are not allowed to exceed the amount of available funds associated with your Card through an individual transaction or a series of transactions.  Nevertheless, if a transaction exceeds the balance of the available funds associated with your Card, you shall remain fully liable to us for the amount of the transaction and any applicable fees.  We may deduct any amount that you owe us from any current or future funds associated with this or any other card or other account you activate or maintain with us.  Once the balance of the Card has reached zero, all subsequent transactions will be declined until the Card is reloaded with additional funds.  Your Card may not be used at an ATM.

Some Merchants do not allow cardholders to conduct split transactions where you would use the Card as partial payment for goods and services and then pay the remainder of the balance with another form of legal tender.  If you wish to conduct a split transaction and it is permitted by the Merchant, you must tell the Merchant to charge only the exact amount of funds available on the Card to the Card.  You must then arrange to pay the difference using another payment method. Some Merchants may require payment for the remaining balance in cash. If you fail to inform the Merchant that you would like to complete a split transaction prior to using your Card, your Card is likely to be declined.   

Some Merchants (such as restaurants) will obtain an authorization/approval on the Card for an amount exceeding the amount of the total bill to cover any tip or gratuity that you may add to the purchase, and therefore it is important for you to be sure that your available Card balance is sufficient to cover such amount or arrange to pay the tip or gratuity using cash or another payment method.  Hotels, car rental agencies, and gas stations may also secure an authorization/approval on the Card in excess of the estimated purchase amount to ensure that adequate funds are available to cover the final purchase.  The entire amount of the authorization/approval will remain unavailable until the actual transaction posts to your Card (typically within seven (7) business days), although only the amount you actually authorize will be deducted from the funds associated with your Card. All transactions relating to car rentals may result in a hold for that amount of funds for up to sixty (60) days. If you authorize a transaction and fail to make a purchase of that item as planned, the approval may result in a hold for that amount of funds for up to thirty (30) days.

For security reasons, we may limit the number or amount of transactions you can make with your Card.  You do not have the right to stop payment on any purchase or payment transactions that you originate through the use of the Card.  You may not make preauthorized regular payments using your Card.

Using the Card at Gas Stations.
There are certain payment situations that may require special or additional steps to use your Card. When using the Card at an automated fuel dispenser (“pay at the pump”), simply insert your Card and follow the instructions. If you pay at the pump, the Merchant may preauthorize the transaction amount up to $100.00 or more.  If the transaction is not completed, you will need to go inside and pay the attendant prior to pumping.

Internet, Mail, and Phone Order Purchases. If you use your Card number without presenting your Card (such as for mail order, telephone, or internet purchases), the legal effect will be the same as if you used the Card itself.

Returned or Exchanged Merchandise. We are not responsible for the services or merchandise purchased with the Card or any damages resulting directly or indirectly from the use of the Card. If you have a problem with merchandise or services purchased with your Card, that problem should be addressed and resolved directly with the Merchant. Exchanges and returns will be governed by the policies of the relevant Merchant and applicable law.

“Valid Thru” Date. The Card plastic is valid through the expiration date shown on the front of the Card, except where prohibited or modified by applicable law. You may not use the Card after the “valid thru” date. The available funds on the Card will not expire but may be reduced by the fees set forth under the Fee Schedule above. If there is a remaining balance after the expiration date shown on the front of the Card, you can call 1-888-453-8820 to request that a new Card be issued if allowable in accordance with applicable law. The new Card will have a value equal to the remaining balance of the expired Card, minus the replacement card fee set forth in the Fee Schedule above to the extent permitted by law.  A replacement Card may take up to 14 days to process and will be sent to the address that you provide to us when you request the replacement Card.

Responsibility for Use of Your Card. You are responsible for all transactions initiated and fees incurred by use of your Card and for using your Card according to the terms and conditions of this Agreement.  If you permit another person to have access to your Card or Card number, we will treat this as if you have authorized such use and you will be liable for all transactions incurred by those persons.  You may not request an additional Card for another person.

Customer Service/Balance Inquiries. To check the available balance on your Card, review recent transactions or obtain other customer service at no charge, you may visit www.mypassinfo.com, or call us at 1-888-453-8820, anytime, 24 hours a day, seven days a week.  However, in order to check the available balance on your Card or view your Card transactions history through our website, you must first register your Card and choose a User Name and Password (see paragraph above titled “ Registering Your Card; Creating User Name and Password”) which will enable you to access and utilize our website. You are not required to select a User Name and Password in order to obtain your available balance and transaction history through our toll-free number.

Customer Service

www.mypassinfo.com

 

24 hr service to check balances or report a card lost or stolen, a live operator is always available

888-453-8820

 

 

Central National Bank

Prepaid Program

PO Box 3003

Enid OK 73702

580-233-3535

 

 

Error Resolution. If you become aware of and/or your transaction history shows transactions that you did not make, notify us immediately at the toll-free number provided above under the section titled “Customer Services/ Balance Inquires.” We must hear from you no later than sixty (60) days after you first accessed the transaction history on which the problem or error appeared. When you call please be prepared with the following:

  • Your name and Card number.
  • Describe the error or questionable transaction and explain as clearly as possible why you believe that is so.
  • The dollar amount of the suspected error and where and when the transaction took place.
  • If you contact us by telephone, we may require that you send us your complaint or question in writing within ten (10) business days following your call to us. Generally, you will be told the results of the investigation within ten (10) business days. The error will be corrected promptly unless more time is necessary to complete the investigation. If more time is needed, we may take up to forty-five (45) days to further investigate your complaint or question.  If we decided to do this, we will notify you verbally or in writing.  If we ask you to submit your complaint or question in writing and you do not provide it within ten (10) business days following  your call to us, we many not credit your Card.

Liability for Unauthorized Transactions. The Card can be replaced if it is lost or stolen, with certain restrictions. Contact us at once at the toll-free number provided in the section titled “Customer Service/ Balance Inquiries” if you believe that your Card has been lost or stolen.  Under Visa Operating Regulations, your liability for unauthorized Visa transactions on your Card is $0.00 if you notify us within two (2) business days and you are not grossly negligent or fraudulent in the handling of your Card.  If you notify us of any unauthorized transactions within two (2) business days, you can lose no more than $50.00 if someone used your Card without your permission.  If you do not notify us within two (2) business days after you learn of the loss or theft of your Card, you could lose up to the lesser of (i) the balance on your Card or (ii) $500.00.  If your Card has been lost or stolen, we will close your Card.  Upon your request, we will send you a replacement Card.  You will be required to provide us with certain personal information, which may include your Card number, full name, transaction history, copies of accepted identification, and other information. We reserve the right to require a written affidavit from you and to conduct an investigation into the validity of any request for a replacement Card. A replacement Card may take up to 14 days to process and will be subject to the replacement card fee set forth in the Fee Schedule above to the extent permitted by law. The replacement Card will be sent to the address that you provide to us when you notify us regarding the lost or stolen Card. 

Our Liability for Failure to Complete Transactions. If we do not properly complete a Card transaction for you on time and in the correct amount, we could be liable for your direct losses or damages. However, there are some exceptions, for example:

  • If through no fault of our own, you do not have adequate funds on your Card to complete the transaction;
  • If an electronic terminal where you are making a transaction does not operate properly;
  • If circumstances beyond our control (such as fire, flood or communications or computer failure) prevent the completion of the transaction, despite our reasonable efforts;
  • If access to your account has been disabled after you have reported your Card lost or stolen;
  • If a Merchant refuses to accept your Card;
  • If there is a hold on your account for any reason;
  • If your funds are subject to legal process or other encumbrance restricting their transfer;
  • If your transfer authorization terminates by operation of law; or
  • As otherwise provided in this Agreement or by law.

Your Representations and Warranties. By activating the Card, or by retaining, using or authorizing the use of the Card, you represent and warrant to us that: (i) you are at least eighteen (18) years of age (or nineteen (19), if you reside in a state where the age of majority is nineteen (19)); (ii) you are a U.S. citizen or legal alien residing in the United States, Puerto Rico or the District of Columbia; (iii) if applicable, you have provided us with a verifiable U.S. street address and not a P.O. Box; (iv) if applicable, the personal information that you provide to us in connection with the Card is true, correct and complete; (v) you received a copy of this Agreement and agree to be bound by and to comply with its terms; and (vi) you accept the Card.

Disclaimer of Warranties. EXCEPT AS EXPRESSLY OTHERWISE PROVIDED IN THIS AGREEMENT, WE MAKE NO REPRESENTATIONS OR WARRANTIES OF ANY KIND TO YOU, AND HEREBY EXPRESSLY DISCLAIM ALL WARRANTIES, WHETHER EXPRESS OR IMPLIED, REGARDING THE CARD OR RELATING TO OR ARISING OUT OF THIS AGREEMENT, INCLUDING, WITHOUT LIMITATION, ANY IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE.

Limitation of Liability.
NEITHER WE NOR OUR SERVICE PROVIDER, SODEXO PASS USA, INC., WILL BE LIABLE TO YOU FOR: DELAYS OR MISTAKES RESULTING FROM ANY CIRCUMSTANCES BEYOND OUR CONTROL, INCLUDING, WITHOUT LIMITATION, ACTS OF GOVERNMENTAL AUTHORITIES, NATIONAL EMERGENCIES, INSURRECTION, WAR, OR RIOTS; THE FAILURE OF MERCHANTS TO HONOR THE CARD; THE FAILURE OF MERCHANTS TO PERFORM OR PROVIDE SERVICES; COMMUNICATION SYSTEM FAILURES; OR FAILURES OR MALFUNCTIONS ATTRIBUTABLE TO YOUR EQUIPMENT, ANY INTERNET SERVICE, OR ANY PAYMENT SYSTEM.  IN THE EVENT THAT WE ARE HELD LIABLE TO YOU, YOU WILL ONLY BE ENTITLED TO RECOVER YOUR ACTUAL DAMAGES.  IN NO EVENT SHALL YOU BE ENTITLED TO RECOVER ANY INDIRECT, CONSEQUENTIAL, EXEMPLARY OR SPECIAL DAMAGES (WHETHER IN CONTRACT, TORT OR OTHERWISE), EVEN IF YOU HAVE ADVISED US OF THE POSSIBILITY OF SUCH DAMAGES.  THIS PROVISION SHALL NOT BE EFFECTIVE TO THE EXTENT OTHERWISE REQUIRED BY LAW.  TO THE EXTENT PERMITTED BY LAW, YOU AGREE THAT YOUR RECOVERY FOR ANY ALLEGED NEGLIGENCE OR MISCONDUCT BY US OR SODEXO PASS USA, INC. SHALL BE LIMITED TO THE TOTAL AMOUNT LOADED ON THE CARD.

No Warranty of Availability or Uninterrupted Use. From time to time the Card services may be inoperative, and, when this happens, you may be unable to use your Card or obtain information regarding your Card, including the available balance of funds associated with your Card.  Please notify us at the Customer Service number stated above if you have any problems using your Card.  You agree that Bank, Sodexo Pass USA, Inc. and their respective affiliates, employees, or agents are not responsible for any interruption of service.

Website Operation and Our Availability. Although considerable effort is expended to make our website and other operational and communications channels available around the clock, we do not warrant these channels to be available and error free every minute of the day.  You agree that we will not be responsible for temporary interruptions in service due to maintenance, website changes, or failures, nor shall we be liable for extended interruptions due to failures beyond our control, including but not limited to the failure of interconnecting and operating systems, computer viruses, forces of nature, labor disputes and armed conflicts.

You agree to act responsibly with regard to our website and its use.  You will not violate any laws, interfere or disrupt computer networks, impersonate another person or entity, gain any unauthorized entry, or interfere with the website’s systems and integrity. We shall not bear any liability, whatsoever, for any damage or interruptions caused by any “computer viruses” that may affect your computer or other equipment.  We advise the regular use of a reputable and readily available virus screening and prevention software.

Disclosure of Information to Third Parties. We may disclose information to third parties about you, your Card and/or your Card transaction history:

  • Where necessary or helpful for completing transactions;
  • In order to verify the existence and conditions of your Card and associated funds for a third party, such as a Merchant;
  • In order to utilize services of third parties and affiliate entities who assist us in providing the Card and related services;
  • In order to comply with government agency or court orders, or other legal or administrative reporting requirements;
  • In order to detect, prevent, investigate or report potential fraud or other illegal activity;
  • If you give us your permission; or
  • When otherwise permitted by law.

We may also share information about you, your Card and/or your Card transaction history with our affiliates.

Privacy and Data Security.
For information about how we use Cardholder information and protect your privacy and data security, please see our Privacy Notice at www.mypassinfo.com.

Amendment, Cancellation or Revocation. We may, to the extent permitted by applicable law, amend or change the terms of this Agreement at any time and from time to time. We will notify you thirty (30) days prior to the effective date of any such change. If we are unable to contact you for any reason, we will post the changes on our website at the address provided under the section titled “Customer Services/ Balance Inquires.” You will be deemed to have received proper notice thirty (30) days after the changes are posted. We encourage you to review the website regularly to monitor changes in the terms of this Agreement. Please note that if a change is made for security or regulatory reasons, we can implement it without prior notice to you.

We may cancel or suspend your Card at any time without cause or notice.  In the event that your Card is cancelled, closed, or terminated for any reason, you may request the unused balance in your account to be returned to you via a check to the mailing address we have in our records or an address provided to us after we properly identify you in accordance with the identification procedures similar to those set forth under the section titled “Liability for Unauthorized Transactions.” Any request for a return of funds will, to the extent permitted by law, be processed within a reasonable period of time after your request.

Unclaimed Property.
If you do not use your Card for several years, applicable law may require us to report the balance on the Card as unclaimed property.  If this occurs, we may try to locate you at the address last shown in our records.  If we are unable to locate you, we may be required to deliver any remaining funds associated with your Card to the appropriate state as unclaimed property.

Governing Law. This agreement shall be governed by, and construed in accordance with, the laws of the State of Oklahoma and any actions or proceedings with respect to this Agreement or any services hereunder shall, to the extent not subject to arbitration pursuant to the section below, be brought only before a federal or state court in the State of Oklahoma.

Other Terms. In the event that any provision of this Agreement is determined to be invalid, illegal or unenforceable, such determination shall not affect the other provisions of this Agreement. Your obligations under this Agreement may not be assigned.  We may transfer our rights under this Agreement.  We do not waive our rights by any delay or failure to exercise them at any time. Visa and the Visa acceptance mark are service marks used by the Bank under license from Visa. Merchants are not affiliated with the program, the Bank or Sodexo USA Pass, Inc., nor are they sponsors or co-sponsors of the program. All merchant names, logos, trademarks or other marks herein are used with permission. The registered owners of the names, logos, trademarks or other marks retain all rights therein.  The meanings of terms, conditions and representations herein are subject to definitions and interpretations in the English (U.S.) language. Any translation provided may not accurately represent the information in the original English. This Agreement sets forth the entire understanding and agreement between you and us, whether written or oral, with respect to its subject matter and supersedes any prior or contemporaneous understandings or agreements with respect to their subject matter.

Arbitration.
Notice: this Agreement requires all disputes be resolved by way of binding arbitration unless you opt-out as detailed in the arbitration section below (the “Arbitration Provision”). Read this Arbitration Provision. Unless you act promptly to reject the Arbitration Provision by opting out in accordance with paragraph b, captioned “Opt-Out Process,” the Arbitration Provision will be part of this agreement and will have a substantial effect on your rights, including your right to bring or participate in a class action, in the event of a dispute.

a. General: This Arbitration Provision describes when and how a Claim (as defined below) may be arbitrated. Arbitration is a method of resolving disputes in front of one or more neutral persons, instead of having a trial in court in front of a judge and/or jury. It can be a quicker and simpler way to resolve disputes. Arbitration proceedings are private and less formal than court trials. Each party to the dispute has an opportunity to present some evidence to the arbitrator. The arbitrator will issue a final and binding decision resolving the dispute(s), which may be enforced as a court judgment. A court rarely overturns an arbitrator’s decision. As solely used in this Arbitration Provision, the terms “we,” “us” and “our” mean not just Central National Bank & Trust Company but also our parent companies, subsidiaries, affiliates, successors, assigns and any of these entities’ employees, officers, directors and agents.

b. Opt-Out Process. If you do not want this Arbitration Provision to apply, you may reject it by mailing us a written opt out notice which contains your Card account number, your name and address and a signed statement that you opt out of the Arbitration Provision of this Agreement. The opt out notice must be sent to us by mail at the address shown in Contact Information.  (You should retain a copy of your opt-out notice and evidence of mailing or delivery.) An opt out notice is only effective if it is signed by you and if we receive it within thirty (30) days after the date you received this Agreement. Indicating your desire to opt-out of this Arbitration Provision in any manner other than as provided above is insufficient notice. Your decision to opt out of this Arbitration Provision will not have any other effect on this Agreement and will not affect any other arbitration agreement between you and us, which will remain in full force and effect. If you don’t reject this Arbitration Provision, it will be effective as of the date you received this Agreement.

c. What Claims Are Covered: “Claim” means any claim, demand, dispute or controversy between you and us that in any way arises from or relates to your Card account (whether past, present or future). For purposes of this Agreement, the term “Claim” shall have the broadest possible meaning.  Despite the foregoing, “Claim” does not include any individual action brought by you in small claims court or your state’s equivalent court, unless such action is transferred, removed, or appealed to a different court.

d. Starting or Electing to Require Arbitration: Either you or we may start an arbitration of any Claim or require any Claim to be arbitrated. Arbitration is started by initiating an arbitration or required by giving written notice to the other party requiring arbitration. This notice may be given before or after a lawsuit has been started over the Claim and may address any Claims brought in the lawsuit, provided that a party may not pursue a Claim in a lawsuit and then seek to arbitrate that same Claim unless the other party has asserted another Claim in the lawsuit or an arbitration. The notice may be in the form of a motion or petition to compel arbitration. Arbitration of a Claim must comply with this Arbitration Provision and, to the extent not inconsistent or in conflict with this Arbitration Provision, the applicable rules of the arbitration Administrator.

e. Choosing the Administrator: “Administrator” means the American Arbitration Association (“AAA”), 1633 Broadway, 10th Floor, New York, NY 10019, www.adr.org; JAMS, 1920 Main St. at Gillette Ave., Suite 300, Irvine, CA 92614, www.jamsadr.com, or any other company selected by mutual agreement of the parties. If AAA and JAMS cannot or will not serve and the parties are unable to select an Administrator by mutual consent, the Administrator will be selected by a court. The party asserting the Claim (the “Claimant”) may select the Administrator. Notwithstanding any language in this Arbitration Provision to the contrary, no arbitration may be administered, without the consent of all parties to the arbitration, by any Administrator that has in place a formal or informal policy that purports to override the Class Action Waiver.

f. Court and Jury Trials Prohibited; Other Limitations on Legal Rights: IF YOU OR WE ELECT TO ARBITRATE A CLAIM, YOU AND WE WILL NOT HAVE THE RIGHT TO PURSUE THAT CLAIM IN COURT OR HAVE A JURY DECIDE THE CLAIM. ALSO, YOUR AND OUR ABILITY TO OBTAIN INFORMATION FROM THE OTHER PARTY IS MORE LIMITED IN AN ARBITRATION THAN IN A LAWSUIT. OTHER RIGHTS THAT YOU OR WE WOULD HAVE IN COURT MAY ALSO NOT BE AVAILABLE IN ARBITRATION.

g. Prohibition Against Certain Proceedings:
IF YOU OR WE ELECT TO ARBITRATE A CLAIM: (1) NEITHER YOU NOR WE MAY PARTICIPATE IN A CLASS ACTION IN COURT OR IN CLASS-WIDE ARBITRATION, EITHER AS A PLAINTIFF, DEFENDANT OR CLASS MEMBER; (2) NEITHER YOU NOR WE MAY ACT AS A PRIVATE ATTORNEY GENERAL IN COURT OR IN AN ARBITRATION; (3) CLAIMS BROUGHT BY OR AGAINST YOU MAY NOT BE JOINED OR CONSOLIDATED WITH CLAIMS BROUGHT BY OR AGAINST ANY OTHER PERSON; AND (4) THE ARBITRATOR SHALL HAVE NO AUTHORITY TO CONDUCT A CLASS-WIDE ARBITRATION, PRIVATE ATTORNEY GENERAL ARBITRATION, OR MULTIPLE-PARTY ARBITRATION.

h. Location and Costs of Arbitration: Any arbitration hearing that you attend in person must take place at a location reasonably convenient to you, as determined by the arbitrator. Each Administrator charges fees to administer an arbitration proceeding and the arbitrator also charges fees. This includes fees not charged by a court. If either you or we require a Claim to be arbitrated, you may tell us in writing that you cannot afford to pay the fees charged by the Administrator and/or the arbitrator or that you believe those fees are too high. If your request is reasonable and in good faith, we will pay or reimburse you for all or part of the fees charged to you by the Administrator and/or arbitrator. Also, we will pay these fees if applicable law requires us to, if you prevail in the arbitration or if we must bear such fees in order for this Arbitration Provision to be enforced. We will not ask you to pay or reimburse us for any fees we pay the Administrator or arbitrator. We will bear the expense of our attorneys, experts and witnesses. You will bear the expense of your attorneys, experts and witnesses if we prevail in an arbitration. However, if you are the Claimant, we will pay your reasonable attorney, expert and witness fees and costs if you prevail or if we must bear such fees and costs in order for this Arbitration Provision to be enforced. Also, we will bear any fees and costs if applicable law requires us to do so.

i. Governing Law: This Arbitration Provision is governed by the Federal Arbitration Act, 9 U.S.C. §§ 1-16 (the “FAA”), and not by any state arbitration law. The arbitrator must apply applicable substantive law consistent with the FAA and applicable statutes of limitations and claims of privilege recognized at law. The arbitrator is authorized to award all remedies permitted by the substantive law that would apply if the action were pending in court (including, without limitation, punitive damages, which shall be governed by the Constitutional standards employed by the courts). At the timely request of either party, the arbitrator must provide a brief written explanation of the basis for the award.

j. Rules of Interpretation: This Arbitration Provision is binding upon and benefits you, your respective heirs, successors and assigns. This Arbitration Provision also is binding upon and benefits us. This Arbitration Provision shall survive the repayment of all amounts owed under this Agreement, any legal proceeding and any bankruptcy, to the extent consistent with applicable bankruptcy law. This Arbitration Provision survives any termination, amendment, expiration or performance of any transaction between you and us and continues in full force and effect unless you and we otherwise agree in writing. In the event of a conflict or inconsistency between this Arbitration Provision, on the one hand, and the applicable arbitration rules or the other terms of this Agreement, on the other hand, this Arbitration Provision shall govern.

k. Severability: If any portion of this Arbitration Provision is deemed invalid or unenforceable, such a finding shall not invalidate any remaining portion of this Arbitration Provision, this Agreement, or any other agreement entered into by you with us. However, notwithstanding any language in this Arbitration Provision or this Agreement to the contrary, the Class Action Waiver is not severable from the remainder of this Arbitration Provision and, in the event that the Class Action Waiver is held to be invalid and unenforceable, and subject to any right of appeal that may exist with respect to such determination, any class action or representative proceeding shall be determined in a court of law and will not be subject to this Arbitration Provision.

The Sodexo Ultimate Pass Visa® Prepaid Card is issued by Central National Bank & Trust Company, Enid, Oklahoma pursuant to a license from Visa USA Inc.

Did You Know?

Merchants cannot tell the value on your Reward Card.

It is very important to know your balance on your Reward Card and tell the cashier the balance on your Reward Card at time of purchase.

Reward Card Tip

If your transaction is greater than the amount on your Reward Card, ask the cashier to swipe for the exact value on your Reward Card and pay the difference with a second form of payment.