This agreement is between you, the authorized
cardholder, and Global Card Systems, Inc (GCSI). It governs the respective
rights and obligations of both parties in connection with the issuance and use
of the Global Card Systems, Inc (GCSI). If you use or authorize the use of the
Card, by the act, you are accepting the terms and agreement and agreeing to be
bound by them. The Card enables you to withdraw and transfer funds that you
have prepaid/loaded on the Card at participating Merchant Points-of-Sale (MPOS)
and Retail Loading Centers (LC). Global
Card Systems, Inc (GCSI) will maintain accounting records of the funds that you
have loaded, withdrawn and transferred using the Card. You cannot withdraw or
transfer more funds than the available balance in your Card account. If you try
to do so, the transaction will be declined. The Card is the property of Palm
Desert National Bank and Global Card Systems, Inc (GCSI). Palm Desert National
Bank or Global Card Systems, Inc (GCSI) may revoke the Card at any time without
cause or notice. If Palm Desert National Bank or Global Card Systems, Inc
(GCSI) does so, you agree to surrender the Card to Palm Desert National Bank or
Global Card Systems, Inc (GCSI). In that event, Global Card Systems, Inc (GCSI)
will repay any remaining pre-paid balance on your Card to you after deducting
all applicable fees and charges.
LOST OR STOLEN CARD CONTRACT INFORMATION
Notify Global Rewards System immediately if you
believe that the Card has been lost, stolen, if your personal Identification
Number (PIN) has been compromised, or if you suspect that any unauthorized
person(s) is withdrawing or transferring money from the Card. You may call
Global Rewards System 24 hours a day, 7days a week at the Telephone number
located on the back of the Card and deactivate your card. You may notify Global Card Systems, Inc (GCSI) by mail
at Global Card Systems, Inc (GCSI), 440 Wolfe Rd., Sunnyvale , CA 94085.
CARD ACTIVATION AND PERSONAL IDENTIFICATION NUMBER
Your card must be activated by the participating
merchant at the time of purchase. Upon activation, you will be able to start
using your Card for retail purchases, Card to Card transfers, ATM transactions,
long distance calling and more. The Card has two distinct default PIN enclosed
inside the package. Your PIN will enable you to identify yourself when using
the Card. These PIN are an important security feature that functions as your
signature, identifying you as the proper user of the Card and authorizing any
transaction that you make using the Card. You will not reveal your PIN to
unauthorized users of the Card and you assume full responsibility for any and
all transactions made by such unauthorized users. Do not disclose your PIN to
any persons, including Global Card Systems, Inc (GCSI), employees of Global
Rewards System banks, processor, MPOS or LCS. If you voluntarily give your Card or PIN to another person,
you are authorizing such person to use your Card and access your funds, whether
you intend to do so or not, and you will be responsible for their use of your
Global Card Systems, Inc (GCSI) offers the
following array of services to Cardholders:
AUTOMATED TELLER MACHINE (ATM) SERVICES—ATMs that
bear the network logos that appear on the back of the CARD for fund withdrawals
and for inquiries about the amount of funds available to you.
MERCHANT SERVICES – Purchase goods and services at
any retail or other establishment that displays the network logos that appear
on the back of the Card.
CARD-to-CARD TRANSFER SERVICES – Transfer available
funds among active Global Rewards Cards.
LONG DISTANCE TELEPHONE SERVICES – Make local and
long distance telephone calls through a designated telecommunications service
USING YOUR CARD
LOADING – You cannot obtain cash from the Card
until it is loaded with value and the balance is available. You can load the
Card at a participating LC, by card to card transfer, or other method specified
by Global Card Systems, Inc (GCSI). You will not pay or receive any interest on
the funds that you load onto the Card or on your available balance. Please note
that there may not be any LC in your location. Please visit www.OneGlobalCard.net for the nearest LC.
USAGE – Once the Card is loaded and there is a
balance, you can use the Card for the above services. You must present your
CARD and have your Account Access Code (PIN) available to load the Card or to
make a withdrawal or transfer of funds from the Card. You cannot make
withdrawals or transfer in excess of the available balance on the Card. Upon
any withdrawal or transfer of funds, the available balance on the Card will be
reduced by the amount of such withdrawal or transfer. You agree to permit any
person to whom you present the Card to verify the authenticity of the Card with
Global Rewards System before completing the transaction.
You are responsible for all transactions initiated
by use of the Card and your PIN. You may use your CARD only in manner and the
purposes authorizes by this agreement. Global Card Systems, Inc (GCSI) may
recognize a transaction even if Global Card Systems, Inc (GCSI) has not
authorizes it, but that does not mean Global Rewards System will authorize the
same transaction again. Global Card Systems, Inc (GCSI) may restrict access to
your Card account if Global Card Systems, Inc (GCSI) notices excessive use of
your Card Account or other suspicious activities. In that event, Global Card
Systems, Inc (GCSI) will attempt to notify you. GCSI will reinstate the Card
once GCSI has determined that the use of your Card was proper in GCSI’S sole
FOREIGN EXCHANGE – If you withdraw or transfer
funds using the Card in a foreign country, the amount will be converted to the
local currency at a rate determined by the ATM’s financial institution. Global
Card Systems, Inc (GCSI) does not control the exchange rate at the date or
place of exchange.
CARDHOLDER SUPPORT AND SERVICES
You may check your Card balance and transaction
activity and initiate other customer services requests by calling the number
indicated in the back of your Card or on the Internet at www.OneGlobalCard.netat any time. GCSI primary
office business hours are Monday through Friday 9:00am-8:00pm, pacific time
with the exception of any state or federal banking holidays.
FEES AND CHARGES
Fees applicable to the use of the Card are set out
below. Fees are subject to change.
telephone number located on the back of your Card.
SCHEDULE OF FEES AND CHARGES (US DOLLARS)
ATM WITHDRAWALS – Retail Card ATM withdrawal fee of
$1.00 per domestic (US) and $3.00 per international withdrawal request will be
deducted from the available balance on your account.
ATM SURCHARGES – An ATM owner or operator may
impose a surcharge for your use of its ATM. The amount of the surcharge will be
disclosed at the ATM. Any such surcharge will be deducted from the balance of
your Card Account, along with the amount of the withdrawal performed at the
ATM. You must agree to the ATM surcharge in order to complete the withdrawal.
BALANCE INQUIRIES/DECLINES – There will not be a
fee for any balance inquiries or for declined withdrawals performed at a
domestic (US) ATM or per international ATM inquiry, or for international ATM
declines. You can review your Card Account balance by calling the telephone
number located on the back of your Card. From International locations, visit
our web site at www.OneGlobalCard.net on the Internet. This
information is available to you 24 hours a day, 7 days a week.
DEPOSIT/ LOAD – There will be a $3.00 fee for
loading your Card at a participating LC.
PURCHASES – A fee of $ 0.50 will be charged for domestic (US) purchases. A $0.50
fee will be charged for all international purchases. There will not be a
charged for domestic declined purchases or returns, or for international
declined purchases or returns.
TRANSFERS – You can transfer funds free from one
Card to another using the same “ Card Your Money “ platform.
ADMINISTRATIVE FEES – A maintenance fee of $5.95 will be charged monthly. In the
event that there is no activity on the account for three (3) conservative
months, a Service Inactivity fee of $5.95 will be charged
monthly or until activity resumes.
LONG DISTANCE TELEPHONE FEES – For Long Distance
Service call 1888-319-2999 and follow the prompts. Calls will be charged at a
rate of $0.045 per minute for domestic (US). See the schedule posted to the
web site at www.OneGlobalCard.net for all international calls.
DIRECT DEPOSIT – Free to cardholders who have their
payroll deposited directly on to their card account by their employer.
AUTOMATED VOICE RESPONSE FEES – There is a $0.99
fee for all calls made to the Automated Voice Response (AVR) system that result
in a transaction, i.e. balance inquiry, last ten transactions, customer
STATEMENT FEES – Your Card Account balance and
activity information is available free of charge at www.OneGlobalCard.net.
|Daily Load Limits TBD
|Maximum Balance TBD
|Daily ATM Withdrawal
|Debit Daily Limit
|These amounts may be modified at the discretion of
Global Rewards System.
Under the Electronic Fund Transfer Act you can
request periodic statements from Global Rewards System. You can choose to
receive the following information in paper form or electronically. If you
choose a paper statement, please call the number on the back of your Card and
speak to a customer service representative. Applicable fees will apply.
Global Card Systems, Inc. will have no liability
to you other than to account for all amounts loaded on the Card less
withdrawals, transfer and authorized fees and charges. If Global Card Systems,
Inc does not complete a transfer to, or from your account, or in the correct
amount according to Global Card Systems, Inc Agreement with you, even if GCSI
is negligent in failing to do so, GCSI will not be liable for your losses and
damages. GCSI will not be liable, for example, (1) if an ATM or a merchant LC
refuses to honor your Card; (2) If GCSI fails to permit a withdrawal or
transfer even through a sufficient prepaid amount remains on the Card for the
transaction; (3) If the ATM where you are making a withdrawal does not have
enough cash; (4) If any equipment or equipment operator and other persons
involved in delivery of Card services break down or fails.