Simon Virtual Visa®

This card has a Purchase fee of $3.95

About Simon: Simon is a global leader in retail real estate ownership, management and development and an S&P100 company (Simon Property Group, NYSE:SPG). Their industry-leading retail properties and investments across North America, Europe and Asia provide shopping experiences for millions of consumers every day and generate billions in annual retail sales. For more information, visit simon.com.

*Click here for the Virtual Visa® Cardholder Agreement

VISA® SIMON VIRTUAL ACCOUNT (“ACCOUNT”) Accountholder Agreement CUSTOMER SERVICE CONTACT INFORMATION: Address: 10615 Professional Circle, Suite 102 Reno, NV 89521 Website:www.simon.com/giftcard Phone Number:1 (866) 325-6238 IMPORTANT NOTICES: (1)Give this document to the recipient of the gift card for any future questions or issues. (2)Please read carefully. This agreement contains an Arbitration Clause requiring all claims to be resolved by way of binding arbitration. (3)Always know the exact dollar amount available on your card. Merchants may not have access to determine your card balance. (4)If you do not agree to these terms, do not use the card, save your receipt, and cancel the card by calling customer service and requesting a refund check. Replacement Card at Expiration: There is no additional cost to obtain a replacement Card due to expiration. This Accountholder Agreement (“Agreement”) sets forth the terms and conditions under which a Visa Simon Virtual Account (“Account”) has been issued to you by MetaBank®. By accepting and using this Account, activating the Account, or authorizing any person to use the Account, you agree to be bound by the terms and conditions contained in this Agreement. In this Agreement "You" and "your" mean the person or persons who have received the Account and are authorized to use the Account. "We," "us," and "our" mean collectively, MetaBank, a federally-chartered savings bank, member FDIC, and its divisions or assignees, and also includes, unless otherwise indicated, our Program Manager. “Program Manager” refers to Blackhawk Network, Inc. and its affiliates, who perform certain services related to your Account on MetaBank’s behalf. The Account may be canceled or revoked at any time without prior notice, subject to applicable law. Please read this Agreement carefully and keep it for future reference. This Agreement applies to both the purchaser and any other user of the Card. It is the purchaser’s obligation to provide these terms and conditions to any user; however, new terms and conditions may be provided, or any other questions or concerns answered, by contacting Customer Service. 1.ABOUT YOUR ACCOUNT Your Account is a virtual prepaid Account. Your account consists of an Account number, a “Valid Thru” date, and a security code, just like those on a plastic card. Your Account is loaded with a specific amount of money, redeemable to buy goods and services at any online, telephone, or mail order merchant where Visa debit cards are accepted in the United States. No additional funds may be added to your Account. Your Account is NOT a credit card. Your Account is not a checking account or connected in any way to any account other than a stored value account where your funds are held. If you have registered your Account, the funds will be insured by the Federal Deposit Insurance Corporation (“FDIC”), subject to applicable limitations and restrictions of such insurance. You may register your Account by visiting the Website (www.simon.com/giftcard) or calling 1 (866) 325-6238. 2. USING YOUR ACCOUNT a. Activation You must activate and register your Account prior to use by visiting www.simon.com/giftcard. b. Accessing Funds and Limitations You may use your Account to obtain goods or services at online, telephone, or mail order merchants wherever Visa debit cards are honored in the United States. You generally cannot use your Account at brick-and-mortar locations. Each time you use your Account, you authorize us to reduce the value available in your Account by the amount of the transaction. Your Account cannot be: (available on your Card by the amount of the transaction. Your Card cannot be: (1) redeemed for cash or quasi-cash (for example, gaming chips, money orders, deposits, wire transfers, traveler’s checks, foreign currency and similar items);(2) used to obtain cash in any transaction; (3) used for illegal transactions;(4)used to make foreign transactions; or (5) used for purchases where recurring payments may occur, such as subscriptions, memberships, rentals, etc. For security reasons, we may limit the amount or number of transactions you can make with your Account. We may refuse to process any transaction that we believe may violate the terms of this Agreement. YOU ARE NOT ALLOWED TO EXCEED THE BALANCE OF THE FUNDS AVAILABLE IN YOUR ACCOUNT. If you attempt to use your Account when there are insufficient funds associated with it, the transaction will generally be declined. Nevertheless, if a transaction that exceeds the balance of the funds available in your Account occurs due to a systems malfunction or otherwise, you will remain fully liable to us for the amount of the transaction. We may cancel your Account if you create a negative balance. If you do not have enough funds available in your Account, you may be able to instruct the merchant perform a “split transaction” to charge part of the purchase to the Account and pay the remaining amount with another form of payment. Please note, however, that many online merchants do not permit split transactions. Your Account is valid in the U.S. only. It cannot be used at merchants outside of the United States, including internet and mail/telephone order merchants outside of the United States. c. Personal Identification Number (“PIN”) You may obtain or change your PIN by visiting the Account Website or by calling Customer Service. ACCOUNTS ARE NOT ACCEPTED AT ATMs AND CANNOT BE USED TO OBTAIN CASH IN ANY PURCHASE. You should not write or keep your PIN with your Account. Never share your PIN with anyone and do not enter your PIN into any terminal that appears to be modified or suspicious. d. Obtaining Account Balance Information You may obtain information about the amount of money you have remaining in your Account at no charge by contacting Customer Service or visiting the Website. This information, along with a history of Account transactions, is also available online by visiting our Website. It may also be possible to request a written copy of Account transactions by contacting Customer Service. e. Authorization Holds You do not have the right to stop payment on any purchase transaction originated by use of your Account. With certain types of purchases (such as those made at restaurants, hotels, or similar purchases), your Account may be “preauthorized” for an amount greater than the transaction amount to cover gratuity or incidental expenses. Any preauthorization amount will place a “hold” on your available funds until the merchant sends us the final payment amount of your purchase. Once the final payment amount is received, the preauthorization amount on hold will be removed. During this time, you will not have access to preauthorized amounts. If you authorize a transaction and then fail to make a purchase of that item as planned, the approval may result in a hold for that amount of funds. f. Returns and Refunds If you are entitled to a refund for any reason for goods or services obtained with your Account, the return and refund will be handled by the merchant. If the merchant credits your Account, the credit may not be immediately available. While merchant refunds post as soon as they are received, please note that we have no control over when a merchant sends a credit transaction and the refund may not be available for a number of days after the date the refund transaction occurs. g.Receipts You may wish to retain receipts as a record of transactions. You may need a receipt in order to verify a transaction with us or the merchant. . REPLACEMENT ACCOUNT If you need to replace your Account for any reason, please contact Customer Service. Please note that your Account has a “Valid Thru” date. You may not use the Account after the “Valid Thru” date. However, even if the “Valid Thru” date has passed, the available funds in your Account do not expire. You will not be charged a fee for a replacement Account. 4.COMMUNICATIONS 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. 5.UNAUTHORIZED TRANSACTIONS a.Contact Customer Service Immediately If you believe your Account has been lost or stolen or an unauthorized transaction has been made using the information from your Account without your permission, contact Customer Service IMMEDIATELY. We will ask for the Account number and other identifying details. We may not be able to assist you if you do not have the Account number. We may not be able to assist you if you do not contact us within 60 days of the unauthorized transaction. A reissued Account may take up to 30 days to process. b. Zero Liability Visa Zero Liability policy covers U.S.-issued Visa-branded Cards/Accounts only and does not apply to ATM transactions, PIN transactions not processed by Visa, certain commercial card transactions, or unregistered Accounts. You must notify us promptly of any unauthorized use. For additional details visit www.visa.com/security. 6. NO WARRANTIES AND LIMITATION OF LIABILITY We are not responsible for the quality, safety, legality, or any other aspect of any goods or services purchased with your Account. Further, we will not be liable: (1) If, through no fault of ours, you do not have enough funds available in your Account to complete the transaction; (2) If a merchant refuses to accept your Account; (3) If an electronic terminal where you are making a transaction does not operate properly; (4) If access to your Account has been blocked after you reported your Account lost or stolen; (5) If circumstances beyond our control (such as fire, flood or computer or communication failure) prevent the completion of the transaction; or 6) For any other exception stated in our Agreement with you. 7.LEGAL NOTICES a.English Language Controls Translations of this Agreement that may have been provided are for your convenience only and may not accurately reflect the original English meaning. The meanings of terms, conditions, and representations herein are subject to definitions and interpretations in the English language. b. Assignability You may not assign or transfer your Account or your obligations under this Agreement. We may, however, transfer or assign our rights under this Agreement, including any balances in your Account. c. Other Terms You will be notified of any change to this Agreement in the manner required by applicable law prior to the effective date of the change. However, if the change is made for security purposes, we can implement such change without prior notice. We do not waive our rights by delaying or failing to exercise them at any time (for example, assessing a fee less than described, or not all, for any reason does not waive our right to begin charging the fee as set forth in this Agreement without notice). If any provision of this Agreement is determined to be invalid or unenforceable under any rule, law, or regulation of any governmental agency, local, state, or federal, the validity or enforceability of any other provision of this Agreement will not be affected. This Agreement will be governed by the law of the state of South Dakota except to the extent governed by federal law. Should your Account have a remaining balance after a certain period of inactivity, we may be required to remit the remaining funds to the appropriate state agency. 8. 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: (1) Information about purchases made with the Account, such as date of purchase, amount and place of purchase; (2) Information you provide to us when you register your Account, or for replacement Accounts, or when you contact us with customer service issues, such as name, address, phone number. We may also disclose information about your Account or the transactions you make to third parties in order to: (1) complete transactions; (2) verify the existence and condition of your Account for a third party, such as merchant; (3) provide customer services; (4) process claims for lost or stolen Accounts; (5) help protect against fraud and to conduct research and analysis; or (5) comply with government agency or court orders, or other legal reporting requirements. To see our full Privacy Policy, please visit www.metabank.com 9. JURY TRIAL WAIVER AND ARBITRATION a.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 this agreement. This Jury Trial Waiver does not modify in any fashion the Arbitration Clause set forth in the following section, which contains its own jury trial waiver. b.Arbitration Clause: You can opt out of this Arbitration Clause within 60 calendar days from the earlier of purchasing, activating, or using the Account. You must send the opt out notice in writing to MetaBank, Attn: Customer Service, 5501 S Broadband Ln, Sioux Falls, SD 57108 (“Notice Address”). This Arbitration Clause governs any dispute arising under this Agreement, aside from the validity and coverage 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. In order 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. 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 Account is closed or we assign our rights under this Agreement. 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. Prepaid account is issued by MetaBank, Member FDIC, pursuant to a license from Visa U.S.A. Inc. © 2018 MetaBank

*Gift card valid in U.S. Only* Visa Gift Cards can be used to buy merchandise and services anywhere Visa debit cards are accepted, except where a manual imprint is required. Funds do not expire. No Fees After Purchase No Expiration of Funds
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