Vereinbarung für Karteninhaber/innen von Prepaid-Debitkarten

These Terms ("Terms") set forth the terms and conditions for your Link Prepaid Debit Card ("Card") issued by Lead Bank. This Card is provided in conjunction with Link Balance, offered by Stripe, LLC. The terms for participating in Link Balance are governed by the Link Balance Terms available at https://link.com/terms#link-balance-terms. By activating, signing the back of, or using this Card, you agree to these Terms.

Important Notices:

(1) These Terms contain a binding arbitration provision and a waiver of certain rights, including your right to a jury trial and your right to bring or participate in class actions. Carefully review Section 22 on Dispute Resolution before you agree to these Terms or use the Card.

(2) This Card is not a payroll card, not a gift card, not a credit card, and not connected to any checking or savings account. If your Card is distributed through or in connection with your employer, you acknowledge that the Card is made available to you solely by us and not by your employer or any other party.

(3) By activating or using the Card, you agree to these Terms and the fees set forth in the Short-Form Disclosure and Long-Form Fee Schedule provided to you. If you do not agree to these Terms, do not activate or use the Card. You may cancel the Card at any time by calling Support.

(4) The Account holds only Fiat Currency (U.S. Dollars). Stablecoins or other digital assets are not held by Lead Bank or in the Account. The conversion of Stablecoins to Fiat Currency to fund Card transactions is performed by the Program Manager or its designee, not by Lead Bank. Lead Bank does not guarantee the value, availability, or convertibility of any Stablecoin. Funds on the Card are not FDIC insured.

Short Form Disclosure

In these Terms,

• "Account" means the prepaid card account associated with your Card.
• "Available Balance" means the amount of funds available for your use on the Card at any given time. The Available Balance is limited to the Fiat Currency funds available in through Link Balance, which are funded through Stablecoin Sales as described in Section 3.
• “Link Balance” has the meaning given in the Link Balance Terms through which you hold Stablecoins and from which Stablecoin Sales are initiated in connection with Card transactions. Link Balance holds only Stablecoins.
• "Fee Schedule" means the Short-Form Disclosure and the Long-Form Fee Schedule provided to you, which are incorporated into these Terms by reference.
• “Fiat Currency” means government-issued currency, including U.S. Dollars.
• "Program Manager" refers to Stripe, LLC, who performs certain Card services on Lead Bank's behalf, including processing transactions and providing customer service.
• “Stablecoins” means a special type of cryptographic digital asset that can be redeemed at face value for Fiat Currency.
• “Stablecoin Sales” means the sale of Stablecoins from your Link Balance and transfer of the Fiat Currency proceeds to the Account, as further described in Section 3.
• "We," "us," and "our" mean Lead Bank, a federally chartered bank, and its divisions or assignees, including our Program Manager, unless otherwise indicated.
• "You" and "your" mean the person to whom a Card is issued and who is authorized to use the Card.

Sign the back of the Card immediately upon receipt. Please read these Terms carefully and keep them for future reference. You may also view these Terms at https://link.com/terms or request a free copy by calling Support at 1-888-820-7551.

1. About the Card

The Card allows you to access funds that have been loaded to the Account. You can use the Card to buy goods and services anywhere Visa debit cards are accepted, and perform other transactions described in these Terms.

The Card is:

1. Not a credit card;

2. Not a checking account or savings account;

3. Not a gift card; and

4. Not a payroll card.

The Card does not connect in any way to any other account you may have other than your Link Balance. Your ability to use the Card is limited to the Available Balance in your Link Balance. You will not be paid interest or any other earnings on the funds in the Account.

2. Identity Verification and Related Inquiries

1. Card Issuance

Important Information About Procedures for Card Issuance:

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 gets issued a Card.

What this means for you: When you request a Card, we may require your name, address, date of birth, Social Security number or tax identification number, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents. We may not be able to issue a Card for you if we cannot verify your identity. We may also make additional inquiries from time to time to help determine whether we should maintain your Card or enable additional features.

We may screen you against applicable sanctions lists maintained by the U.S. Department of the Treasury's Office of Foreign Assets Control ("OFAC") and other government lists as required by law. We may block or close your Card if required by law or if we are unable to verify your identity.

2. Inquiries

We may make, and you consent to us making, any inquiries that we consider appropriate to help determine whether we should open, maintain, or close the Account. This may include verification of identity and employment and credit reports or other reports from account information services and credit reporting agencies; provided, you will not be subject to a credit report in order to open the Account.

3. Card and Account Structure and Adding Funds to the Account

1. Card structure

Your Card is linked to your Link Balance, and you authorize us to initiate Stablecoin Sales from your Link Balance and transfer the Fiat Currency proceeds to the Account until you close your Link Balance or cancel the Card. The terms governing how Stablecoins are held and custodial arrangements are set forth in the Link Balance Terms.

When the Card is used for a transaction, an authorization request will be transmitted to us. We will first determine if you have sufficient Stablecoin balance in your Link Balance in the amount needed to complete the transaction. If we determine that you have a sufficient Stablecoin balance, a Stablecoin Sale will be initiated, and the resulting Fiat Currency proceeds will be transferred and deposited in the Account. The funds will then be deducted from the Account for the amount of the transaction. If we determine that there is insufficient Stablecoin balance available in your Link Balance for the transaction or the transaction is otherwise not authorized, then no Stablecoin Sale will be initiated, no Fiat Currency will be deposited to the Account, and the transaction will be declined. If your Link Balance is closed, the Account will be closed and the Card will be canceled.

2. The Account only holds Fiat Currency

The Account holds only Fiat Currency. The Account and Card do not hold any Stablecoins, cryptocurrency, virtual currency, digital asset, digital currency, digital commodity, or other digital token. The balance displayed via the Link Balance may represent the Stablecoin balance in your Link Balance that is available for conversion to Fiat Currency via Stablecoin Sales in connection with Card transactions. The Stablecoin balance displayed in Link Balance is not a Fiat Currency balance held by us and is not held in the Account.

3. Adding funds to the account

The amount of funds available in the Account is limited to the Fiat Currency proceeds that have been transferred from Stablecoin Sales initiated with your use of the Card. You may only load value onto your Card by initiating a debit transaction with a merchant (i.e., using your Card to make a purchase), which authorizes the Program Manager or its designee to (a) initiate the sale of Stablecoins from your Link Balance in an amount at least sufficient to cover the Fiat Currency needed to complete the debit transaction; and (b) transfer the Fiat Currency proceeds to the Account. We do not charge a fee to you directly for the loading of funds onto your card. You should consult with the Program Manager to determine any fees that may be associated with transactions that are related or incidental to your use of the Card, including Stablecoin Sales.

Any Initiation of a Debit Transaction with a Merchant, in Any Amount, Constitutes Your Express and Irrevocable Consent to Sell Stablecoins and Load the Fiat Currency Proceeds onto Your Card. You Cannot Cancel a Transaction Charged to Your Card Once It Is Initiated and Authorized.

You may not add funds to the Account by any other method, including credit cards, debit cards, bank accounts, cash, or by sending personal checks, cashier’s checks, retailer load networks, or money orders to us.

4. Stablecoin Sales disclaimer

The balance shown to you in Link Balance as being available on your Card is a representation of your Stablecoin balance allocated to your Card. Lead Bank is not involved with the movement, custody, purchase, or sale of any Stablecoin associated with the Account. Lead Bank does not guarantee the price of any Stablecoin. Stablecoin Sales are conducted by the Program Manager or its designee as facilitated by Link Balance and are subject to additional terms between you and the Program Manager. Please contact Link at https://support.link.com/contact/login or 1-888-820-7551 for more information related to the sale of any Stablecoins.

5. No interest or FDIC insurance

You will not be paid interest or any other earnings on the funds in the Account. Any Fiat Currency in the Account will not be eligible for FDIC insurance.

6. Account limits

There may be limits on the number, type, or dollar amount of transactions you may make. For current limits, visit https://support.link.com/topics/link-card or call Support.

4. Using the Card

1. Permitted Uses

Provided there are sufficient funds in the Available Balance, you may use your Card to:

• Pay for goods and services at merchants that accept Visa debit cards, including in-store, online, in-app, and by mail or telephone ("point-of-sale" transactions); and

• Add the Card to a supported digital wallet (Apple Pay, Google Pay, Samsung Pay) and make purchases using such digital wallet.

Some of these services may not be available at all terminals, with all merchants, or with all Card configurations.

2. Activation and PIN

You may use your Card only after activation. To activate your Card and view your Personal Identification Number ("PIN"), visit app.link.com or call Support. You can use your Card and PIN for PIN-based debit purchases. You may change your PIN at any time by visiting app.link.com or calling Support.

You agree that you will:

• Not disclose your PIN or record it on the Card or otherwise make it available to any other individual;

• Use the Card, the PIN, and any terminal as instructed;

• Promptly notify us of any loss or theft of the Card or PIN by calling Support; and

• Be responsible for your use of the Card and PIN, including any use by someone you permit to use your Card or PIN.

If you permit another person to use your Card, you will be deemed to have authorized such use and you will be liable for all transactions made by that person unless and until you notify us that such person's authority is revoked.

3. Debit Transactions

You may initiate a debit transaction at the point of sale by swiping, inserting, or tapping your Card, signing the receipt or providing your signature electronically, or entering your PIN. You may also provide your Card number for mail order, telephone, or internet purchases. Different terms may apply to transactions conducted with or without a PIN. Please refer to Section 11 for a description of rights and protections applicable to your Card.

4. Transaction Limitations

For security and regulatory reasons, we may limit the number, type, or dollar amount of transactions you may make, or suspend or terminate your Card or Account. We may also refuse to process transactions or decline to authorize transactions if:

• You breach these Terms, applicable laws, or applicable card network rules;

• We reasonably suspect fraud or unauthorized use;

• You provided inaccurate or false information in connection with the Card;

• You pose an unacceptable regulatory, reputational, or financial risk to us; or

• We are required to do so by law, regulation, or court order.

For information regarding current transaction limits, visit https://support.link.com/topics/link-card or call Support.

5. Fees and Charges

1. Fee Schedule

All fees applicable to your Card are set forth in the Fee Schedule, which is always available at https://link.com/terms/prepaid-debit-cardholder-agreement and may be requested at no charge by calling Support. You agree that the fees set forth in the Fee Schedule apply to your Card and your usage, and you authorize us to deduct the applicable fees from your Available Balance. A particular fee may not apply if it is restricted by law in your state.

2. Third-Party Fees

You understand that parties other than us may charge you additional fees for use of the Card or services related to the Card. These fees will be disclosed by the party charging them at the time the services are used.

3. Fee Changes

We may change, add, or delete fees from the Fee Schedule from time to time. We will provide you at least twenty-one (21) days' advance written notice before any fee increase or new fee takes effect, as required by applicable law. If you do not agree to the change, you may cancel your Card and receive your remaining Available Balance before the change takes effect at no charge. If the change is made for security purposes directly related to the safety of the Account, we may implement such change without advance notice.

6. Checking Your Balance and Transaction History

1. Information about your Available Balance

Information about your Available Balance, along with at least twenty-four (24) months of transaction history, is available at no charge by visiting app.link.com and accessing your account. You may also check your balance at no charge by calling Support.

You have the right to obtain at least twenty-four (24) months of written transaction history at no charge by calling Support or writing to us at:

Stripe, LLC
354 Oyster Point Blvd.
South San Francisco, CA 94080

2. Receipts

You are entitled to receive a receipt at the time you make a transaction at a point-of-sale terminal.

7. Authorization Holds

When you use your Card to pay for goods or services, certain merchants may request authorization in advance and may estimate the final value of the transaction. When you use your Card at an ATM, we generally authorize the transaction in advance, including all applicable fees. When we authorize the transaction, we place a temporary hold on your Available Balance for the amount indicated by the merchant.

With certain types of purchases (such as at restaurants, hotels, or similar merchants), we may preauthorize an amount greater than the transaction amount to cover gratuity or incidental expenses. Any preauthorization will place a "hold" on your Available Balance until the merchant sends us the final payment amount. Once we receive the final amount, we will release the hold. During this time, you will not have access to the held amount. If you authorize a transaction but do not complete the purchase, the approval may result in a hold on those funds for up to thirty (30) days.

If you use your Card at an automated fuel dispenser ("pay at the pump"), the merchant may preauthorize the transaction for up to $150 or more. If your Card is declined at the pump even though you have sufficient funds, pay for your purchase inside with the cashier.

We will charge your Card only for the correct amount of the final transaction and will release any excess amount when the transaction settles. You acknowledge that released funds may not be immediately available for use until we have had a reasonable time to process the release.

8. Returns and Refunds

If you are entitled to a refund for goods or services purchased with your Card, the merchant handles the return and refund. While merchant refunds post as soon as we receive them, we have no control over when a merchant sends a credit transaction. The refund may not be available for several days after the refund transaction occurs.

We are not responsible for the quality, safety, legality, or any other aspect of any goods or services purchased with the Card. Any claims concerning the quality of goods or services must be resolved by you directly with the merchant.

In the case of a refund or other credit to your Card, such amounts will be credited to your Link Balance in the form of Stablecoins. Any refund of a debit transaction with a merchant, in any amount, constitutes your express and irrevocable consent to purchase Stablecoins with refunded Fiat Currency proceeds.

9. Transactions in Excess of Balance

You are not allowed to exceed your Available Balance through any individual or series of transactions. If you attempt a transaction with insufficient funds, the transaction will generally be declined. If you do not have enough funds available, you may be able to ask the merchant to perform a "split transaction" to charge part of the purchase to the Card and pay the remaining amount with another form of payment. If a negative balance occurs, it represents an amount you owe us and we have the right to (a) obtain funds from your Link Balance, and (b) initiate a Stablecoin Sale from your Link Balance to cover the amount owed.

10. Foreign Currency Transactions

The amount of any transaction in a foreign currency will be converted to U.S. dollars. The conversion rate will be determined by the rules and procedures of Visa and may include a rate selected by Visa from the range of rates available in wholesale currency markets for the applicable processing date, which rate may vary from the rate Visa itself receives, or the government-mandated rate in effect for the applicable processing date. An international transaction fee may also apply as set forth in the Fee Schedule. This fee may be assessed on all transactions in which the merchant is located in a country other than the United States, even if the transaction does not require a currency conversion.

11. Replacement Cards

A replacement Card will be sent to you prior to the expiration of your Card, provided your Link Balance has not been closed and we have not delivered your unused funds to the state as unclaimed property. If your Card is lost, stolen, or damaged, contact Support to request a replacement. A fee may apply as set forth in the Fee Schedule. Expedited delivery options may be available for an additional fee. You must activate the replacement Card before use.

12. Lost or Stolen Cards and Unauthorized Transactions

Tell us at once if you believe your Card or PIN has been lost or stolen, or if you believe that an electronic fund transfer has been made without your permission using information from your Card. You could lose all the money in your Link Balance if you do not promptly contact us about a lost or stolen card.

If you tell us within two (2) business days after you learn of the loss or theft of your Card or PIN, you can lose no more than $50 if someone used your Card or PIN without your permission.

If you do not tell us within two (2) business days after you learn of the loss or theft, and we could have stopped someone from using your Card or PIN without your permission if you had told us, you could lose as much as $500.

Also, if your transaction history shows transactions that you did not make, tell us at once. If you do not tell us within sixty (60) days after the earlier of the date you electronically accessed your Card (if the transaction could be viewed in your electronic history) or the date we sent the first written history or first statement on which the transaction appeared, you may not get back any money you lost after the sixty (60) day period if we can prove that we could have stopped someone from taking the money if you had told us in time.

If a good reason prevents you from reaching out to us in a timely fashion, we may extend the time periods.

If you believe the Card or PIN has been lost or stolen or that someone has transferred or may transfer money from the Account without your permission, call Support at 1-888-820-7551 or write to us at:

Stripe, LLC
354 Oyster Point Blvd.
South San Francisco, CA 94080

If you report the Card or PIN as lost or stolen, we may close the Account and transfer any balance in the Account to a new Account to prevent further losses.

For purposes of these Terms, our business days are Monday through Friday. Holidays are not included.

13. Error Resolution

In case of errors or questions about your Card or the Account, call us at 1-888-820-7551 or write to us at:

Stripe, LLC
354 Oyster Point Blvd.
South San Francisco, CA 94080

if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We must hear from you no later than 60 days after we sent the first statement on which the problem or error appeared.

• Tell us your name and Card number (if any).

• Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information.

• Tell us the dollar amount of the suspected error.

If you tell us orally, we may require that you send us 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 45 days to investigate your complaint or question. If we decide to do this, we will credit your Link Balance in Stablecoin 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 us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within ten (10) business days, we may not credit your Link Balance.

For errors involving new Accounts, point-of-sale, or foreign-initiated transactions, we may take up to 90 days to investigate your complaint or question. For new Accounts, we may take up to 20 business days to credit your Link Balance in Stablecoin for the amount you think is in error.

We will tell you the results within three (3) business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation.

If you need more information about our error-resolution procedures, call Support.

14. Preauthorized Recurring Payments

If you have regular recurring payments from your Card and wish to stop them, first contact the merchant or bill pay provider with whom you set up the payment and request the payments stop. If the merchant is not responsive, call Support or write to us at:

Stripe, LLC
354 Oyster Point Blvd.
South San Francisco, CA 94080

in time for us to receive your request three (3) business days or more before the payment is scheduled to be made. If you call, we may require you to put your request in writing and get it to us within fourteen (14) days after you call.

If these regular payments may vary in amount, the person you are going to pay will tell you ten (10) days before each payment when it will be made and how much it will be.

If you order us to stop one of these payments three (3) business days or more before the transfer is scheduled and we do not do so, we will be liable for your losses or damages.

If you use the Card for recurring transactions or preauthorized payments, you are responsible for monitoring your Available Balance to make sure it is sufficient. Because the Card is prepaid and does not carry a credit line, a merchant may suspend or cancel your service if the Card does not have enough value when a recurring transaction is submitted. We are not responsible for any merchant cancellation due to insufficient funds.

15. Complaints

If you have a complaint, first contact us at 1-888-820-7551 or the number on the back of your card. If you still have an unresolved complaint, please direct your complaint to the appropriate agency.

The Card is issued by Lead Bank. The Federal Reserve Insurance Corporation is the federal governmental entity responsible for the regulation and oversight of Lead Bank and may be contacted at:

1100 Walnut Street, Suite 2100
Kansas City, MO 64106-2180
Toll-free: (800) 209-7459
Local: (816) 234-8000
7 a.m. to 5 p.m. CT, Monday through Friday (except federal holidays)

16. How We Contact You

You agree that we may monitor and record any calls or other communications between us and you. You also agree that we or our service providers may contact you by using an automated dialing or email system, by text, or artificial or recorded voice. You agree to pay any service charges assessed by your plan provider for communications we send or make to you, or that you send or make to us.

17. Limitations and Disclaimers

We are not responsible for the quality, safety, legality, or any other aspect of any goods or services purchased with the Card. We will also not be liable if:

• Through no fault of ours, you do not have enough funds available to you in the Account to complete the transaction;

• A merchant refuses to accept the Card;

• An ATM or electronic terminal does not operate properly and you knew about the breakdown when you started the transaction;

• Access to the Card has been blocked after you reported the Card lost or stolen;

• Circumstances beyond our control (such as fire, flood, or computer or communication failure) prevent completing the transaction, despite reasonable precautions we have taken;

• There is a hold on your funds or your funds are subject to legal process or other encumbrance restricting their use;

• We have reason to believe the transaction is unauthorized;

• You have not passed the identity verification process required to complete the transaction;

• Funds have not been received and settled in your Link Balance;

• Stablecoin Sales cannot be completed due to insufficient Stablecoin balance in your Link Balance, Stablecoin price volatility, Link Balance unavailability, or any other circumstance outside our control related to the conversion of Stablecoins to Fiat Currency; or

• For any other exception stated in these Terms.

Unless otherwise provided by law, our liability to you is limited to reimbursement for the face amount of any unauthorized transaction subject to these Terms. We will not be liable for any special, indirect, or consequential damages.

18. Privacy

We may provide information to our employees, auditors, affiliates, service providers, or attorneys as needed, or to any third party if you give us your written permission.

We may also collect:

• Information about purchases made with the Card, such as date, amount, and place of purchase; and
• Information you provide to us when you register a Card, request replacement Cards, or contact us with support issues, such as name, address, and phone number.

In addition, we may disclose information about you, your Card, the Account, or your transactions to third parties in order to:

• Complete transactions;

• Verify the existence and condition of your Card and the Account for a third party, such as a merchant;

• Provide customer services;

• Process claims for lost or stolen Cards;

• Comply with government agency or court orders, or other legal reporting requirements;

• Help protect against fraud and conduct research and analysis;

• As required by the card networks; or

• If you give us your written permission.

You will receive a separate privacy notice that provides additional details on how we collect, use, and share your personal information. Additional state-specific privacy rights may apply depending on your state of residence. Our privacy policies and notices are available at: https://www.lead.bank/privacy-and-terms and https://link.com/privacy.

19. Amendment and Cancellation

We may amend or change these Terms at any time, subject to applicable law. You will receive a prior notice if and when required, and in the manner permitted, by applicable law. However, if the change is made for security purposes, we may implement such change without prior notice.

We may cancel or suspend your Card or these Terms at any time. You may cancel these Terms by cancelling your Card in your Link account. Your termination of these Terms will not affect any of our rights or your obligations arising under these Terms prior to termination. Upon termination by either party, any Fiat Currency balance remaining in the Account will be returned to your Link Balance in the form of Stablecoins, as applicable. Link will reach out to you with instructions on how to access any remaining balance. There is no fee for this service.

The Card is the property of Lead Bank and must be surrendered upon demand.

20. Unclaimed Property

If your Card has been activated and you do not use your Card (including loading, withdrawing, or making a purchase or balance inquiry) for the period required by applicable state law, we may be required to report and deliver the remaining balance in the Account to the state as unclaimed property. Once the funds are delivered to the state, you may contact the state to reclaim any such funds. We are not responsible for funds delivered to the state as required by applicable law.

21. Digital Wallet

If you add your Card to a digital wallet (such as Apple Pay, Google Pay, or Samsung Pay), your use of the digital wallet is subject to the terms of the applicable digital wallet provider in addition to these Terms. Adding your Card to a digital wallet may require additional verification by us and the wallet provider.

Transactions made through a digital wallet are subject to the same terms, conditions, limits, and fees as physical Card transactions. Your obligations to safeguard your Card information extend to your digital wallet credentials. If you believe your digital wallet credentials have been compromised, notify us immediately by calling Support.

The unauthorized transaction liability protections described in Section 12 apply to transactions made through a digital wallet.

22. Dispute Resolution

1. Jury Trial Waiver

To the extent permitted by law, you and we knowingly and voluntarily waive any right to trial by jury in the event of litigation arising out of or related to these Terms. This Jury Trial Waiver does not modify the arbitration clause below, which contains its own jury trial waiver.

2. Arbitration Clause

You can opt out of this arbitration clause within thirty (30) calendar days from activating or using the Card, whichever is earlier. You must send the opt out notice in writing to Stripe, LLC
354 Oyster Point Blvd. South San Francisco, CA 94080. This arbitration clause governs any dispute arising under these Terms, and the arbitrator shall have exclusive authority to resolve any dispute relating to the interpretation, applicability, enforceability, or formation of this arbitration clause. Arbitrations will be conducted under the rules of the arbitration administrator, as chosen by us. Arbitration may be brought by you or us, and we will not demand arbitration if you bring an individual action in small claims court. In addition to the Jury Trial Waiver above, you also waive your rights to be a class member or bring suit in a class action or class arbitration. To commence an arbitration, the party bringing the dispute must send the notice and complaint in writing. You must send your notice to the notice address above. After receiving notice, the other party has 30 days to attempt to resolve the issue before a suit or arbitration commences. We will pay all costs associated with administering an arbitration brought by you in good faith if you cannot get a waiver and ask us to pay. Further, we will pay legal fees and costs if you win or as required by law or the arbitrator. This arbitration clause will stay in force if your Card is closed or we assign our rights under these Terms. This arbitration clause and any rights to appeal or requests for information will be governed by the Federal Arbitration Act and the rules of the arbitrator.

This arbitration clause shall survive:

• The termination of these Terms

• The bankruptcy of any party;

• Any transfer, sale or assignment of the Card, or any amounts owed on the Card, to any other person or entity; and

• Expiration of the Card

If any portion of this arbitration provision is deemed invalid or unenforceable, the remaining portions shall remain in force.

23. Applicable Law

These Terms and any claim or dispute arising out of or related to these Terms, your Card, or the Account are governed by and construed in accordance with federal law applicable to national banks and, to the extent state law applies, the laws of the State of Missouri, without regard to its conflict-of-laws principles. Federal law and the laws of the State of Missouri apply regardless of your state of residence.

Nothing in this Section limits the application of federal consumer financial protection laws, including the Electronic Fund Transfer Act and its implementing regulations, to the extent they apply to your Card or Account.

The Card is issued by Lead Bank pursuant to a license from Visa U.S.A. Inc.

List of all fees for Link Prepaid Card

Your Card is not eligible for FDIC insurance.

No overdraft/credit feature.

Contact Stripe, the program manager, by calling 1-888-820-7551, by mail at 354 Oyster Point Blvd., South San Francisco, CA 94080, or visit https://link.com.

For general information about prepaid accounts, visit cfpb.gov/prepaid.
If you have a complaint about a prepaid account call the Consumer Financial Protection Bureau at 1-855-411-2372 or visit cfpb.gov/complaint.