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E-Sign Consent Agreement* Check here to confirm you understand that the Personalized SEPTA Key Prepaid Mastercard is a paperless product, and you have reviewed, met and agree to our E-Sign Consent Statement.
Privacy Policy* Check here to confirm your receipt, review and acceptance of our Privacy Policy.
Cardholder Agreement* Check here to confirm you reviewed, met and agree to our Cardholder Agreement.
Click on documents provided above to view, print or save. Please carefully review your selections, When ready, click "Agree and Continue" to confirm your choices are correct.

E-Sign Disclosure

E-Sign Disclosure

As part of your relationship with us, you are entitled by law to receive certain information "in writing." The federal E-SIGN Act and certain state laws allow us to provide this information to you electronically, instead, with your prior consent. We also need your general consent to use electronic records and signatures in our relationship with you. So, before you obtain products or services electronically through Ready Credit Corporation, you must review and consent to the terms outlined below.

In this consent, "we," "us," "our" and "Key Card" are used to refer to SEPTA Key Card, and its current and future affiliates whose account(s) and/or service(s), are obtained or accessed through Online Statements. "You" and "your" refer to the person giving this consent.

Your consent to use electronic records and signatures; Privacy Policy. Disclosures, notices, records, and other information we provide to you may be in electronic form, at our sole option ("Electronic Records"). We may also use and obtain from you electronic signatures. However, we will continue to deliver your periodic account statements on paper unless either:
1. we give you the option to receive electronic statements instead and you elect to do so,
2. your paper statements are repeatedly returned to us as undeliverable and we elect, at our option, to attempt delivery to an electronic address, or
3. when permitted by law, we tell you the statement will be delivered electronically at the time the Eligible Account is created.
You agree that we may satisfy our obligation to provide you with an annual copy of our Privacy Policy by keeping it available for review on www.SEPTAKey.org.
Your option to receive paper copies. If we provide you with Electronic Records, and you want a copy in paper, you may contact customer service and request a paper version. You will be subject to a $3 fee for your request. Please refer to the cardholder agreement for complete fee information.
Your consent covers all online products and services. Your consent covers all of your transactions relating to each product or service that you agree to obtain or access electronically, and remains in effect until you withdraw your consent.
You may withdraw your consent at any time. You have the right to withdraw your consent at any time and at no cost to you. Please be aware, however, that withdrawal of consent will result in the termination of your access to Online Statements. If you have enrolled for online statements, the termination will cause paper statements to be mailed to you via U.S. Postal Service at a $3 fee. If you wish to withdraw your consent, you must contact customer service by calling 1-855-567-3782 or by writing to us at www.SEPTAKey.org or SEPTA Key Card, PO Box 46425, Eden Prairie, MN 55344.
You must keep your email or electronic address current with us. In order to ensure that we are able to provide you with important notices and other information from time to time, you must notify us of any change in your email or other electronic address. You may change the email address on record for you by updating your User Profile.

Hardware and software you will need. To receive Online Statements, you must have:
1. A compatible operating system (defined below),
2. A Current Version of an Internet browser (defined below) we support,
3. A connection to the Internet,
4. An active email account,
5. A Current Version of a program that accurately reads and displays PDF files (such as Adobe Acrobat Reader), and
6. A computer and an operating system capable of supporting all of the above. You will also need a printer if you wish to print out and retain records on paper, and electronic storage if you wish to retain records in electronic form.
By "compatible operating system," and "current version of an Internet browser," we mean these compatible operating systems: Microsoft® Windows 2000 or newer, Microsoft® Windows XP, Microsoft® Windows Vista, Mac OS X; and these acceptable browsers: Microsoft® Internet Explorer 6.0 or higher, Firefox, Safari.

We reserve the right to discontinue support of any software if, in our sole opinion, it suffers from a security or other flaw that makes it unsuitable for use with Online Statements. And we always reserve the right, in our sole discretion, to communicate with you by U.S. Postal Service.
Changes to hardware or software requirements. If a change in hardware or software is needed in order for you to access or retain Electronic Records, and that change would create a material risk that you would not be able to access or retain your Electronic Records, we will give you notice of the revised hardware or software requirements. You will have the right to withdraw your consent at that time. Withdrawing your consent will terminate your use of online statements that you have agreed to obtain electronically. Continuing to use online statements after receiving notice is reaffirmation of your consent.

By clicking on the "I Agree" button you are indicating your consent to use electronic records and signatures. By providing your consent, you are also confirming that you have the hardware and software described above, that you are able to receive and review electronic records, and that you have an active email account. You are also confirming that you are authorized to, and do, consent on behalf of all the co-owners of your accounts.

Please select one of the following options to proceed:

The Key card is a paperless product. You must select 'I Agree' in order to continue.

I Agree I Disagree

FACTS
WHAT DOES METABANK DO WITH YOUR PERSONAL INFORMATION?
Why?

Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.
What?
The types of personal information we collect and share depend on the product or service you have with us. This information can include:
- Social Security number and account balances,
- Payment history and account transactions and
- Transaction history
When you are no longer our customer, we continue to share your information as described in this notice.
How?

All financial companies need to share customers' personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers' personal information; the reasons MetaBank chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information	Does MetaBank share?	Can you limit this sharing?
For our everyday business purposes - such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus	Yes	No
For our marketing purposes - to offer our products and services to you	Yes	No
For joint marketing with other financial companies	Yes	No
For our affiliates' everyday business purposes -	No	We do not share
For our affiliates' everyday business purposes - Information about your creditworthiness	No	We do not share
For our affiliates to market to you	No	We do not share
For our affiliates to market to you	No	We do not share

Questions?

Call 1-855-567-3782 or go to www.SEPTAKEY.org

Who we are
Who is providing this notice?	This privacy policy is provided by MetaBank and applies to MetaBank card products, and related products and services.

What we do
How does MetaBank protect my personal information?	To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.
How does MetaBank collect my personal information?	We collect your personal information, for example when you. Register your card or pay a bill Make a purchase or other transaction Provide us your name or other information
Why can't I limit all sharing?	Federal law gives you the right to limit only Sharing for affiliates' everyday business purposes - information about your creditworthiness Affiliates from using your information to market to you Sharing for nonaffiliates to market to you State law and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law.

Definitions
Affiliates	Companies related by common ownership or control. They can be financial and nonfinancial companies. MetaBank has no affiliates with which it shares your personal information.
Nonaffiliates	Companies not related by common ownership or control. They can be financial and nonfinancial companies. MetaBank does not share your personal information with nonaffiliates so they can market to you.
Joint Marketing	A formal agreement between nonaffiliated financial companies that together market financial products or services to you. We may partner with nonaffiliated financial companies to jointly market financial products or services to you.

Other important information
If you are a resident of California or Vermont, we will not share with nonaffiliates except for our own marketing purposes, our everyday business purposes, or with your consent. Nevada residents: We are providing this notice pursuant to Nevada law.

Mastercard® Cardholder Agreement

IMPORTANT - PLEASE READ CAREFULLY. THIS AGREEMENT CONTAINS AN ARBITRATION PROVISION REQUIRING ALL CLAIMS TO BE RESOLVED BY WAY OF BINDING ARBITRATION.

Terms and Conditions for SEPTA Key Prepaid MasterCard.Card

This document constitutes the agreement ("Agreement") outlining the terms and conditions under which the SEPTA Key Prepaid MasterCard Card has been issued to you. By accepting and using this Card, you agree to be bound by the terms and conditions contained in this Agreement. In this Agreement, "Card" means the SEPTA Key Card Prepaid MasterCard Card issued to you by MetaBank®. "SEPTA" means the Southeastern Pennsylvania Transportation Authority. "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. "We," "us," and "our" mean MetaBank, our successors, affiliates or assignees. Your Instant Card is the non-personalized Card you purchased. A Personalized Card is the one you signed up for and comes in the mail with your name embossed on it after we have fully verified your identity.

Fees and Limitations

SEPTA Key Prepaid MasterCard Card - INSTANT Card Fee Summary

Fee Category	Fee Type	Amount
Total Cost of Setup:	Issuance	$4.95
Add Money:	ReadySTATION, SEPTA Fare Kiosk or SEPTA Sales Office Reload Third Party Load or Reload	$2.00 Varies
Other Services:	Dormancy Paper Transaction Summary Mailed to You	$0.95/mo beginning the 13th month of no activity $3.00 each
SEPTA Key Prepaid MasterCard Card - PERSONALIZED Card Fee Summary
Total Cost of Setup:	Issuance	No Charge
Add Money:	Card-to-Card / Bank Account Transfer ReadySTATION, SEPTA Fare Kiosk or SEPTA Sales Office Reload Third Party Load or Reload	$1.00 $2.00 Varies
Get Cash:	ATM ATM Decline, Balance Inquiry or Balance Inquiry Decline	$1.95 $0.95
Spend Money International:	Signature or PIN: Transaction or Return Get Cash at ATM ATM Decline, Balance Inquiry or Balance Inquiry Decline Get Cash at Bank Counter	$0.25 + 1.5% of transaction amount $3.00 + 1.5% of ATM withdrawal amount $0.95 $5.95 + 1.5% of ATM withdrawal amount
Other Services:	Monthly Account Service . (This fee will be waived in any billing cycle when you load at least $650 or have at least 20 qualifying retail transactions posted to your card account Paper Transaction Summary Mailed to You Card Replacement	$4.95 $3.00 each $4.95 each
*Third-party fees and standard Text Message Rates may apply.
www.SEPTAKey.org	1-855-567-3782

ATM Fees: When you use an ATM, you may be charged a fee by the ATM operator or any network used to complete the transaction (and you may be charged a fee for a balance inquiry even if you do not complete a fund transfer).

International Transaction Fee:

If you obtain your funds or make a purchase in a currency or country other than the currency on your card (or make a purchase from a merchant using a bank that uses currency other than the currency or country in which your Card was issued), the amount deducted from your funds will be converted by the network or card association that processes the transaction into an amount in the currency of your Card. MasterCard International Inc. currently uses a conversion rate that is either: (i) selected from the range of rates available in wholesale currency markets (which may vary from the rate the association itself receives), or (ii) the government-mandated rate in effect for the applicable central processing date.

Using SEPTA Key Prepaid MasterCard Card

The Card is a prepaid card. The Card will remain the property of MetaBank and must be surrendered upon demand. The Card is nontransferable, and it may be canceled, repossessed, or revoked at any time without prior notice subject to applicable law. Please read this Agreement carefully and keep it for future reference.

The Card allows you to access funds loaded to your Card account by you or on your behalf. Your Card account does not constitute a checking or savings account and is not connected in any way to any other account you may have. The Card is not a gift card, nor is it intended to be used for gifting purposes. The Card is not a credit card. You will not receive any interest on the funds in your Card account. The Card funds in your Card account will be FDIC insured provided your Card is registered. Your Card funds will never expire, regardless of the expiration date on the front of your Card. You may register your Card by going to www.SEPTAKey.org.

Important information for opening a MasterCard Prepaid Card account: To help the federal government fight the funding of terrorism and money laundering activities, the USA PATRIOT Act requires all financial institutions and their third parties to obtain, verify, and record information that identifies each person who opens a Personalized Card account. What this means for you: When you open a Personalized Card account, we will ask for your name, street 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 documents at any time. We may limit your ability to use the Personalized Card features until we have been able to successfully verify your identity.

Federal Payments: THE ONLY FEDERAL PAYMENTS THAT MAY BE LOADED TO YOUR CARD VIA AN AUTOMATED CLEARING HOUSE ("ACH") CREDIT ARE FEDERAL PAYMENTS FOR THE BENEFIT OF THE PRIMARY CARDHOLDER. If you have questions about this requirement, please call 1-855-567-3782.

Authorized Users: You may not permit another person to have access to your Card or Card number. If you do provide access to your Card or Card number, you are liable for all transactions made with the Card or Card number by those persons. You are responsible for all transactions and fees incurred by you or any other person. You are wholly responsible for the use of the Card according to the terms of this Agreement subject to the "Lost or Stolen Cards; Unauthorized Transactions" section below, and other applicable law.

Loading Your Card: You may add funds to your Card account, called "value loading", at any time. The amount of each value load must be at least $5. The Instant Card can be reloaded unlimited times only until $1000 in total Card loads is reached. There is no limit on the number of times you may value load your Personalized Card. However, the maximum Card value load you may place on your Personalized Card is restricted to $1000 per day. You agree to present the Card and meet identification requirements to complete load transactions as may be required from time to time.

Card Account Access: You may use your Card to: (1) withdraw cash from your Personalized Card account, (2) make loads to your Personalized and Instant Card account, (3) purchase or lease goods or services where ever your Card is honored as long as you do not exceed the value available in your Card account, and (5) pay bills directly by telephone from your Card account in the amounts and on the days you request. Your Card cannot be redeemed for cash. You may use your Personalized Card to access cash at an ATM. Loads to your Card account are not permitted at ATM terminals. You may not use your Card for any illegal transactions, use at casinos, and any gambling activity.

Limitations on frequency of transactions: For security reasons, we may limit the amount or number of Card transactions you can make with your Card.

Limitations on dollar amounts of transactions: with your Personalized Card (1) You may withdraw up to $500 from terminals each day (2) You may buy up to $2500 worth of goods or services per day.

You are responsible for all transactions initiated by use of your Card, except as otherwise set forth herein. If you do not have enough Card funds available in your Card account, you can instruct the merchant to charge a part of the purchase to the Card and pay the remaining amount with cash or another card. These are called "split transactions." Some merchants do not allow cardholders to conduct split transactions. Some merchants will only allow you to do a split transaction if you pay the remaining amount in cash.

If you use your Card number without presenting your Card (such as for a mail order or telephone purchase), the legal effect will be the same as if you used the Card itself. Each time you use your Card, you authorize us to reduce the funds available in your Card account by the amount of the transaction. You are not allowed to exceed the available amount in your Card account through an individual transaction or a series of transactions. Nevertheless, if a transaction exceeds the balance of the funds available in your Card account, you shall remain fully liable to us for the amount of the transaction. We reserve the right to bill you for any negative balance. You agree to pay us promptly for the negative balance. We also reserve the right to cancel this Card and close your Card account should you create one or more negative balances with your Card.

You may have the right to stop payment on any purchase transaction originated by use of your Card, as otherwise provided herein. 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 for up to 3 business days.
SEPTA Fare Product and Travel Wallet Usage:

You may also add Fare Product(s) and Travel Wallet funds, called "SEPTA Products," to the SEPTA side of your Card. Fare Products and the Travel Wallet are powered by SEPTA and are only valid for use on the SEPTA transportation system. Fare Products may only be loaded to the SEPTA side of the Card when the Fare Product becomes available for sale subject to such terms and conditions as SEPTA may deem fit. The SEPTA Key Customer Service Center's master record of SEPTA activity shall be conclusive evidence of the use of any SEPTA Products, including the amount of value remaining in the Travel Wallet. MetaBank does not issue or provide services for SEPTA Products. For further information or to receive your Fare Products, Transit Products, or Travel Wallet SEPTA Products terms of use, please visit www.SEPTAKey.org or call 1-855-567-3782.

There is no limit to the number of SEPTA Product purchases. You may also use your MasterCard prepaid funds for Fare Payment. Each use of a SEPTA Product is valid only for one direction on any individual transit vehicle. Travel Wallet must have available funds or a Fare Product must be valid to be accepted for transit use. Card must be tapped on bus farebox or rail station validator for every trip. Card must be shown on demand to operator or fare inspector and may require additional photo ID. Reproduction of a Card and/or its contents, or possession of a fraudulent Card is illegal and subject to criminal prosecution (PC 483). The Card is non-transferable and must be retained by the bearer for the duration of the trip.

Fare payment shall be prioritized such that the SEPTA fare collection system will first validate SEPTA Products. Where a Card holds a valid Fare Product or funds within the Travel Wallet, no MasterCard debit deduction will be made from the Card. If a valid SEPTA Product is not present, the SEPTA fare collection system will then look to deduct a fare as a MasterCard debit transaction, and will deduct the fare from the MetaBank issued Card funds as payment subject to SEPTA's tariff regulations. If the SEPTA fare collection system looks for a fare payment transaction from a Card and the SEPTA Product(s) and MasterCard prepaid values are less than the attempted transaction value resulting in a declined transaction, the SEPTA fare payment functionality will be disabled until you add more SEPTA Products or MasterCard funds to your Card and call 1-855-567-3782 to have the functionality restored.

SEPTA Product refunds will stay within the SEPTA side and are limited to SEPTA's terms and conditions. All fares, including promotional or discount fares of any kind available to a specific category of persons or at specific times or zone areas, are subject to change, review, and withdrawal by SEPTA at any time, and subject to such terms and conditions as SEPTA may deem fit. If, for any reason, the Card is not accepted for fare payment, you may be asked by SEPTA to pay your fare in U.S. currency.
Preauthorized Transfers

Preauthorized credits: If you have arranged to have direct deposits made to your Personalized Card account at least once every 60 days from the same person or company, you can call us at 1-855-567-3782 or go to www.SEPTAKey.org to find out whether or not the deposit has been made.

Right to stop payment and procedure for doing so: If you have told us in advance to make regular payments out of your Personalized Card account, you can stop any of these payments. Here's how: Call us at 1-855-567-3782 or write us at SEPTA Key Card, PO Box 46425, Eden Prairie, MN 55344 in time for us to receive your request 3 business days or more before the payment is scheduled to be made. If you call, we may also require you to put your request in writing and get it to us within 14 days after you call.

Notice of varying amounts: If these regular payments may vary in amount, the person you are going to pay will tell you, 10 days before each payment, when it will be made and how much it will be. (You may choose instead to get this notice only when the payment would differ by more than a certain amount from the previous payment, or when the amount would fall outside certain limits that you set).

Liability for failure to stop payment of preauthorized transfer: If you order us to stop one of these payments 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.
Business Days

For purposes of these disclosures, our business days are Monday through Friday. Holidays are not included.
Returns and Refunds

If you are entitled to a refund for any reason for goods or services obtained with your Card, you agree to accept credits to your Card account for such refunds. The amounts credited to your Card account for refunds may not be available for up to five (5) days from the date the refund transaction occurs.
Receipts

You should get a receipt at the time you make a transaction or obtain cash using your Card. You agree to retain your receipt to verify your transactions.
Obtaining Card Account Information.

You may obtain information about the amount of Card funds or SEPTA Products you have remaining by calling 1-855-567-3782. This information, along with a 60-day history of account transactions, is also available on-line at www.SEPTAKey.org. You also have the right to obtain a sixty (60) day written history of Card transactions by calling 1-855-567-3782 or by writing us at SEPTA Key Card, PO Box 46425, Eden Prairie, MN 55344. However, there is a fee for obtaining a written history of your Instant or Personalized Card transactions (see your Fees and Limitations paragraph above).
Confidentiality

We may disclose information to third parties about your Card account or the transactions you make:
1. Where it is necessary for completing transactions;
2. In order to verify the existence and condition of your Card account for a third party, such as merchant;
3. In order to comply with government agency or court orders, or other legal reporting requirements;
4. If you give us your written permission; or
5. To our employees, auditors, affiliates, service providers, or attorneys as needed.
Our Liability for Failure to Complete Transactions

If we do not complete a transaction to or from your Card account on time or in the correct amount according to our Agreement with you, we will be liable for your losses and damages proximately caused by us. However, there are some exceptions. We will not be liable, for instance:
1. If, through no fault of ours, you do not have enough funds available in your Card account to complete the transaction;
2. If a merchant refuses to accept your Card;
3. If an ATM where you are making a cash withdrawal does not have enough cash;
4. If an electronic terminal where you are making a transaction does not operate properly and you knew about the problem when you initiated the transaction;
5. If access to your Card has been blocked after you reported your Card or PIN lost or stolen;
6. If there is a hold or your funds are subject to legal process or other encumbrance restricting their use;
7. If we have reason to believe the requested transaction is unauthorized;
8. If circumstances beyond our control (such as fire, flood or computer or communication failure) prevent the completion of the transaction, despite reasonable precautions that we have taken;
9. Any other exception stated in our Agreement with you.
Lost or Stolen Cards; Unauthorized Transactions

If you believe your Card or PIN has been lost or stolen, call: 1-855-567-3782, go to SEPTAKey.org or write: SEPTA Key Card, PO Box 46425, Eden Prairie, MN 55344. You should also call the number or write to the address listed above if you believe a transfer has been made using the information from your Card or PIN without your permission.

Your Liability for Unauthorized MasterCard Prepaid Transactions. Tell us, AT ONCE, if you believe your Card has been lost or stolen or of any unauthorized transactions. Your liability for unauthorized Card transactions that take place on the MasterCard system is zero dollars ($0). We may require you to provide a written statement regarding claims of unauthorized transactions. These provisions limiting your liability do not apply to ATM, POS, PINless, or any other debit transactions not processed by MasterCard. Additionally, see the paragraph below labeled "Your Liability for Unauthorized Transfers" as it relates to other unauthorized transfers that were not processed by MasterCard.

Your Liability for Unauthorized Transfers: 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. Telephoning toll-free at 1-855-567-3782 is the best way of keeping your possible losses down. You could lose all the money in your Card account. If you tell us within 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 2 business days after you learn of the loss or theft of your Card or PIN, and we can prove 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 electronic history shows transfers that you did not make, including those made by your Card or other means, tell us at once. If you do not tell us within 60 days after the earlier of the date you electronically accessed your account (if the unauthorized transfer could be viewed in your electronic history), or the date we sent the FIRST written history on which the unauthorized transfer appeared, you may not get back any money you lost after the 60 days 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 (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods for a reasonable period.
Unclaimed Property

Your Card is subject to unclaimed property laws where your Card has been registered, or the laws of the state where we are located/incorporated if the Card is not registered. Should your Card have a remaining MasterCard balance after a certain period of time, we may be required to remit remaining funds to the appropriate state agency.
Other Terms

Your Card and your obligations under this Agreement may not be assigned. We may transfer our rights under this Agreement. Use of your Card is subject to all applicable rules and customs of any clearinghouse or other association involved in transactions. We do not waive our rights by delaying or failing to exercise them at anytime. If any provision of this Agreement shall be 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 shall 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.
Amendment and Cancellation

We may amend or change the terms of this Agreement at any time without prior notice to you except as required by applicable law. We may cancel or suspend your Card or this Agreement at any time without prior notice to you except as required by applicable law. You may cancel this Agreement by returning the Card to us. Your termination of this Agreement will not affect any of our rights or your obligations arising under this Agreement prior to termination. Should your Card account be closed, we will issue you a credit for any unpaid balances, subject to fees as disclosed in this Agreement.
In case of errors or questions about your Electronic Transfers

Telephone us at 1-855-567-3782 or Write us at SEPTA Key Card, PO Box 46425, Eden Prairie, MN 55344 as soon as you can, if you think an error has occurred in your Card account. We must allow you to report an error until 60 days after the earlier of the date you electronically access your account, if the error could be viewed in your electronic history, or the date we sent the FIRST written history on which the error appeared. You may request a written history of your transactions at any time by calling us at 1-855-567-3782 or writing us at SEPTA Key Card, PO Box 46425, Eden Prairie, MN 55344. You will need to tell us:
- Your name and Card account number.
- Why you believe there is an error, and the dollar amount involved.
- Approximately when the error took place.
If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days. We will determine whether an error occurred within 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 account within 10 business days for the amount you think is in error, so that you will have 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 10 business days, we may not credit your account. 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 account for the amount you think is in error. We will tell you the results within three 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 we used in our investigation. If you have any further questions regarding our error resolution procedures, please contact us by calling 1-855-567-3782.

Privacy and Data Protection

WHAT DOES METABANK DO WITH YOUR PERSONAL INFORMATION?

Why?

Financial Companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.

What?

The types of personal information we collect and share depend on the product service you have with us. This information can include:

Social Security number and account balance,
Payment history and account transactions and
Transaction history

Why you are no longer our customer, we continue to share your information as described in this notice.

How?

All financial companies need to share customers' personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers' personal information, the reasons MetaBank chooses to share, and whether you can limit this sharing.

Reasons we can share your personal information	Does MetaBank share?	Can you limit this Sharing?
For our everyday business purposes - such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus	Yes	No
For our marketing purposes - to offer our products and services to you	Yes	No
For joint marketing with other financial companies	Yes	No
For our affiliates' everyday business purposes - Information about your transactions and experiences	No	We do not share
For our affiliates' everyday business purposes - Information about your credit worthiness	No	We do not share
For our affiliates to market to you	No	We do not share
For our affiliates to market to you	No	We do not share

Questions? Call 1-855-567-3782 or go to www.SEPTAKey.org.

Who is providing this notice?

This privacy policy is provided by MetaBank and applies to MetaBank card products, and related products and services.

How does MetaBank protect my personal information?

To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.

How does MetaBank collect my personal information?

We collect your personal information, for example when you

Register your card or pay a bill
Make a purchase or other transaction
Provide us your name or other information

Why can't I limit all sharing?

Federal law gives you the right to limit only

Sharing for affiliates' everyday business purposes - information about your creditworthiness
Affiliates from using your information to market to you
Sharing for nonaffiliates to market to you

State law and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law.

Definitions:

Affiliates: Companies related by common ownership and control. They can be financial and nonfinancial companies.

MetaBank has no affiliates with which it shares your personal information.

Nonaffiliates: Companies not related by common ownership or control. They can be financial and nonfinancial companies.

MetaBank does not share your personal information with nonaffiliates so they can market to you.

Joint Marketing: A formal agreement between nonaffiliates financial companies that together market financial products or services to you.

We may partner with nonaffiliates financial companies to jointly market financial products or services to you.

Other Important Information

If you are a resident of California or Vermont, we will not share with nonaffiliates except for our own marketing purposes, our everyday business purposes, or with your consent. Nevada residents: We are providing this notice pursuant to Nevada law.

Telephone Monitoring/Recording

From time to time we may monitor and/or record telephone calls between you and us to assure the quality of our customer service or as required by applicable law.
No Warranty Regarding Goods and Services

We are not responsible for the quality, safety, legality, or any other aspect of any goods or services you purchase with your Card.
Arbitration

This Arbitration Provision sets forth the circumstances and procedures under which claims (as defined below) may be arbitrated instead of litigated in court.

Definitions: As used in this Arbitration Provision, the term "Claim" means any claim, dispute or controversy between you and us arising from or relating to the Card or this Agreement as well as any related or prior agreement that you may have had with us or the relationships resulting from this Agreement, including the validity, enforceability or scope of this Arbitration Provision or the Agreements. "Claim" includes claims of every kind and nature, including but not limited to initial claims, counterclaims, cross-claims and third-party claims and claims based upon contract, tort, fraud and other intentional torts, statutes, regulations, common law and equity. The term "Claim" is to be given the broadest possible meaning that will be enforced and includes, by way of example and without limitation, any claim, dispute or controversy that arises from or relates to (i) your Card, or the Cards of any additional cardholders designated by you; (ii) the amount of available funds in the Card accounts; (iii) advertisements, promotions or oral or written statements related to the Cards, goods or services purchased with the Cards; (iv) the benefits and services related to the Cards; and (v) your enrollment for any Card. We shall not elect to use arbitration under the Arbitration Provision for any Claim that you properly file and pursue in a small claims court of your state or municipality so long as the Claim is individual and pending only in the court.

As used in the Arbitration Provision, the terms "we" and "us" shall for all purposes mean the Bank, wholly or majority owned subsidiaries, affiliates, licensees, predecessors, successors, and assigns; and all of their agents, employees, directors and representatives. In addition, "we" or "us" shall include any third party using or providing any product, service or benefit in connection with any Cards (including, but not limited to merchants who accept the Card, third parties who use or provide services, debt collectors and all of their agents, employees, directors and representatives) if, and only if, such third party is named as a co-party with us (or files a Claim with or against us) in connection with a Claim asserted by you. As solely used in this Arbitration Provision, the terms "you" or "yours" shall mean all persons or entities approved by us to have and/or use a Card, including but not limited to all persons or entities contractually obligated under any of the Agreements and all additional cardholders.

Initiation of Arbitration Proceeding/Selection of Administrator: Any Claim shall be resolved, upon the election by you or us, by arbitration pursuant to this Arbitration Provision and the code of procedures of the national arbitration organization to which the Claim is referred in effect at the time the Claim is filed. Claims shall be referred to either the Judicial Arbitration and Mediation Services ("JAMS"), or the American Arbitration Association ("AAA"), as selected by the party electing to use arbitration. If a selection by us of one of these organizations is unacceptable to you, you shall have the right within 30 days after you receive notice of our election to select either of the other organizations listed to serve as arbitrator administrator. For a copy of the procedures, to file a Claim or for other information about these organizations, contact them as follows: (i) JAMS at 1920 Main Street, Suite 300, Los Angeles, CA 92614; website at www.jamsadr.com; (ii) AAA at 335 Madison Avenue, New York, NY 10017; website at www.adr.org

Significance of Arbitration: IF ARBITRATION IS CHOSEN BY ANY PARTY WITH RESPECT TO A CLAIM, NEITHER YOU NOR WE WILL HAVE THE RIGHT TO LITIGATE THAT CLAIM IN COURT OR HAVE A JURY TRIAL ON THAT CLAIM, OR TO ENGAGE IN DISCOVERY EXCEPT AS PROVIDED FOR IN THE CODE OF PROCEDURES OF THE JAMS, OR AAA, AS APPLICABLE (THE "CODE"). FURTHER, YOU WILL NOT HAVE THE RIGHT TO PARTICIPATE IN A REPRESENTATIVE CAPACITY OR AS A MEMBER OF ANY CLASS OF CLAIMANTS PERTAINING TO ANY CLAIM SUBJECT TO ARBITRATION. EXCEPT AS SET FORTH BELOW, THE ARBITRATOR'S DECISION WILL BE FINAL AND BINDING. NOTE THAT OTHER RIGHTS THAT YOU WOULD HAVE IF YOU WENT TO COURT ALSO MAY NOT BE AVAILABLE IN ARBITRATION.

Restrictions on Arbitration: If either party elects to resolve a Claim by arbitration, that Claim shall be arbitrated on an individual basis. There shall be no right or authority for any Claims to be arbitrated on a class action basis or on bases involving Claims brought in a purported representative capacity on behalf of the general public, other Cardholders or other persons similarly situated. The arbitrator's authority to resolve Claims is limited to Claims between you and us alone, and the arbitrator's authority to make awards is limited to you and us alone. Furthermore, Claims brought by you against us or by us against you may not be joined or consolidated in arbitration with Claims brought by or against someone other than you, unless otherwise agreed to in writing by all parties.

Location of Arbitration/Payment of Fees: Any arbitration hearing that you attend shall take place in the federal judicial district of your residence. At your written request, we will consider in good faith making a temporary advance of all or part of the filing administrative and/or hearing fees for any Claim you initiate as to which you or we seek arbitration. At the conclusion of the arbitration (or any appeal thereof), the arbitrator (or panel) will decide who will ultimately be responsible for paying the filing, administrative and/or hearing fees in connection with the arbitration (or appeal). If and to the extent you incur filing, administrative and/or hearing fees in arbitration, including for any appeal, exceeding the amount they would have been if the Claim had been brought in the state or federal court which is closest to your billing address and would have had jurisdiction over the Claim, we will reimburse you to that extent unless the arbitrator (or panel) determines that the fees were incurred without any substantial justification.

Arbitration Procedures: This Arbitration Provision is made pursuant to a transaction involving interstate commerce, and shall be governed by the Federal Arbitration Act, 9 U.S.C. Sections 1-16, as it may be amended (the "FAA"). The arbitration shall be governed by the applicable Code, except that (to the extent enforceable under the FAA) this arbitration Provision shall control if it is inconsistent with the applicable Code. The arbitrator shall apply applicable substantive law consistent with the FAA and applicable statutes of limitations and shall honor claims of privilege recognized at law and, at the timely request of either party, shall provide a brief written explanation of the basis for the decision. In conducting the arbitration proceeding, the arbitrator shall not apply the Federal or any state rules of civil procedure or rules of evidence. Either party may submit a request to the arbitrator to expand the scope of discovery allowable under the applicable Code. The party submitting such a request must provide a copy to the other party, who may submit objections to the arbitrator with a copy of the objections provided to the request party, within fifteen (15) days of receiving the requesting party's notice. The granting or denial of such request will be in the sole discretion of the arbitrator who shall notify the parties of his/her decision within twenty (20) days of the objecting party's submission. The arbitrator shall take reasonable steps to preserve the privacy of individuals, and of business matters. Judgment upon the award rendered by the arbitrator may be entered in any court having jurisdiction. The arbitrator's decision will be final and binding, except for any right of appeal provided by the FAA. However, any party can appeal that award to a three-arbitrator panel administered by the same arbitration organization, which shall consider anew any aspect of the initial award objected to by the appealing party. The appealing party shall have thirty (30) days from the date of entry of the written arbitration award to notify the arbitration organization that it is exercising the right of appeal. The appeal shall be filed with the arbitration organization in the form of a dated writing. The arbitration organization will then notify the other party that the award has been appealed. The arbitration organization will appoint a three-arbitrator panel which will conduct an arbitration pursuant to its Code and issue its decision within one hundred twenty (120) days of the date of the appellant's written notice. The decision of the panel shall be by majority vote and shall be final and binding.

Continuation: This Arbitration Provision shall survive termination of your Card as well as voluntary payment of any debt in full by you, any legal proceeding by us to collect a debt owed by you, and any bankruptcy by you or us. If any portion of this Arbitration Provision is deemed invalid or unenforceable under any principle or provision of law or equity, consistent with the FAA, it shall not invalidate the remaining portions of this Arbitration Provision, the Agreement or any prior agreement you may have had with us, each of which shall be enforceable regardless of such invalidity.

SEPTA Key Prepaid MasterCard Card is issued by MetaBank, Member FDIC.
5501 S. Broadband Lane
Sioux Falls, SD 57108
1-855-567-3782
www.SEPTAKey.org
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© SEPTA Key Card
This card issued by MetaBank®, Member FDIC, pursuant to license by Mastercard International Incorporated. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

** Important information for opening a Personalized Card account: To help the federal government fight the funding of terrorism and money laundering activities, the USA PATRIOT Act requires all financial institutions and their third parties to obtain, verify, and record information that identifies each person who opens a Card account. What this means for you: When you open a Personalized Card account, we will ask for your name, address, date of birth and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.

Terms and Conditions for SEPTA Key Prepaid MasterCard.Card

SEPTA Key Prepaid MasterCard Card - INSTANT Card Fee Summary

International Transaction Fee:

Using SEPTA Key Prepaid MasterCard Card

SEPTA Fare Product and Travel Wallet Usage:

Preauthorized Transfers

Business Days

Returns and Refunds

Receipts

Obtaining Card Account Information.

Confidentiality

Our Liability for Failure to Complete Transactions

Lost or Stolen Cards; Unauthorized Transactions

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In case of errors or questions about your Electronic Transfers

Privacy and Data Protection

Telephone Monitoring/Recording

No Warranty Regarding Goods and Services

Arbitration

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