These are your Visa^® Gift Card terms and conditions. Please read them carefully and retain them for your records. Please sign your card IMMEDIATELY. By accepting and using your card you agree to be bound by these terms and conditions. This Visa^® Gift Card is neither a credit nor an FDIC insured deposit account. In these terms and conditions “you” and “your” mean the person who has received the Visa^® Gift Card; “we”, “us” or “our” means Arvest Bank, our successors, affiliates or assigns.

CARD USAGE
Your Visa^® Gift Card may be used for purchases everywhere that Visa^® debit cards are accepted. You must sign the back of the card before you can use the card.
You may only use it when there is a balance remaining on the card and only up to the amount left on the card. Purchases and service charges will be deducted from your Visa^® Gift Card balance until the value reaches zero. After the amount available on your Visa^® Gift Card has been exhausted, all transactions will be declined. Transactions that exceed the remaining card balance will also be declined. If your purchase amount is greater than the amount available on your card, the difference can be paid with another form of payment depending on the policy of the merchant. ANY transaction attempted for more than the amount available on the Visa^® Gift Card will be declined. Therefore, you MUST know the amount available on your card and inform the merchant to process the transaction in that amount.

A fee of $3.50 may be assessed each month after 12 consecutive months of inactivity. This fee is deducted from any remaining value on the card until the value reaches zero.If you use your VISA^® Gift Card for a transaction in a foreign currency, the transaction will be converted to US Dollars in accordance with the applicable VISA^® operating regulations for international transactions. Currently, those regulations provide that the exchange rate will be either a rate selected by VISA^® from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary from the rate VISA^® itself receives, or the government-mandated rate in effect for the applicable central processing date, in each instance, plus or minus any adjustment determined by the Issuer. We do not control the rate, date or place of exchange or the conversion rate in effect on a date later than the transaction date. The cardholder is not permitted to resell a Visa^® Gift Card.

LIMITATIONS ON TRANSACTIONS
The Visa^® Gift Card cardholder responsibility is non-transferable.

• You agree not to make transactions that exceed the amount of funds stored on your Visa^® Gift Card.
• You are responsible for all authorized transactions initiated by use of your card.
• The Visa^® Gift Card is non-reloadable and cannot be re-used.
• The Visa^® Gift Card cannot be used to obtain cash from automated teller machines (ATM) and cannot be redeemed for cash or cash equivalents through us or through Visa^®.
• You may not make pre-authorized regular payments through the use of your Visa^® GiftCard.

You may find some Visa^® merchants (i.e. restaurants, hotels, car rental, salons, gas stations, etc.) that secure an authorization/approval on your Visa^® Gift Card greater than the purchase amount. This is done to ensure adequate funds are available to cover the final purchase. If the amount being authorized exceeds the value remaining on the card, the transaction will be declined.

CARD BALANCE 
Access your balance information online. If you do not have internet access, call Arvest Bank at (800) 601-8655 for your balance.

LOST/STOLEN CARDS
Record your card number in a safe place as you MUST have your card number to report your gift card as lost or stolen. This card should be treated like cash. If lost or stolen and funds are spent before a hold can be placed on the card, those funds cannot be recovered. Tell us IMMEDIATELY if your card has been lost or stolen. You will need the card number to report it stolen.

If you believe your Card has been lost or stolen, call Arvest Bank at (800) 601-8655.

ERROR RESOLUTION PROCEDURES
You should protect your card as if it were cash. If transactions occur without your permission you may not be able to recover your funds.

If you need to report an error with a transaction on your card, please contact us as soon as possible at 1-866-952-9523 or via mail at the following address:

Arvest Bank Operations
Attn: Chargeback Department LOC-W
PO Box 799 Lowell AR 72745

EXPIRATION OF CARD
Your VISA^® Gift Card is valid until the expiration date shown on your card or until the amount of funds has been exhausted, whichever comes first. Any transactions that are attempted after the card is no longer valid will be declined.

A fee of $3.50 may be assessed each month after 12 consecutive months of inactivity