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What is a Visa® Prepaid Card?

The  Prepaid Visa® Card is not a credit card, it’s kind of better. It’s a prepaid card, which means it comes pre-loaded with cash. All you have to do is activate it and then it’s ready to use.

You can use it worldwide, everywhere Visa® cards are accepted, and that’s almost anywhere, including online shopping.



Terms, Conditions and Definitions for the Visa® Prepaid Card - This document constitutes the agreement (“Agreement”) outlining the terms and
conditions under which a non-personalized Visa Prepaid Card and/or personalized Visa Prepaid Card has been issued to you. By accepting and
using the Card, you agree to be bound by the terms and conditions contained in this Agreement.


The term “Card” refers to the Visa Prepaid Card and/or personalized Visa Prepaid Card issued to you by Home Trust Company. “Non-Personalized
Card” means the Visa Prepaid Card you received that excludes your personal information from the Card front. “Personalized Card” means the
Visa Prepaid Card you received that includes your personal information on the Card front. “Issuer” means Home Trust Company. ”Transaction
Amount” means the total amount of the purchase plus the tolerance. “Tolerance” has the definition provided in this agreement. “Card Account”
means the records we maintain to account for the value, in Canadian dollars, associated with the Card. “You” and “your” mean 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 Home
Trust Company, our successors, affiliates or assignees. Cards are issued in connection with a loyalty, award or promotion program. Card is not
transferable and cannot be issued to minors. Virgin Mobile Canada is not liable and assumes no responsibility with respect to the redemption and
use of the Gift Card. The VIRGIN trademark and family of associated marks are owned by Virgin Enterprises Limited and used under license.
You acknowledge and agree that the value available in the Card Account is limited to the funds that you have loaded into the Card Account or
have been loaded into the Card Account on your behalf. You agree to sign the back of the Card immediately upon receipt. The expiration date
of the Card is identified on the front of your Card. The Card is a prepaid card. The Card is not connected in any way to any other account. The
Card is not a credit card. You will not receive any interest on your funds in the Card Account. The Card will remain the property of Home Trust
Company 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. Our business days are Monday through Friday, excluding holidays, even if we are open. Please read
this Agreement carefully and keep it for future reference.


The Card is a prepaid Card that can be used anywhere that Visa is accepted, including Mail Order, online and point of sale retail merchants,
subject to the terms of the Agreement. The Card is not a credit card and its usage will not improve your credit rating. No interest or dividends will
be paid on the balance of the Card. Neither the card nor the Balance is a deposit account with Issuing Bank.
Obtaining Your Card - When you open a Card Account, we will ask for your name, address, date of birth, and other personal information that will
allow us to identify you. We may also ask to see your driver’s license or other government issued photo ID.
Authorized Users- You are responsible for all authorized transactions initiated and fees incurred by use of your Card. If you permit another person
to have access to your Card or Card number, we will treat this as if you have authorized such use and you will be liable for all transactions and
fees incurred by those persons. You are wholly responsible for the use of each Card according to the terms and conditions of this Agreement.
Using Your Card/Features -You may use the Card to make purchases up to $5,000.00 which is the maximum that can be spent on your Card per
day. The Card may not be used for any illegal transactions or purposes. If you authorize another person to use the Card, you agree that you will
be liable for all transactions arising from use of the Card by such person. To use the Card, simply present the Card at the time of payment, and
sign the receipt with the same signature you used when you signed the Card. You may wish to retain the receipt as a record of the transaction.
As you use the Card, the Balance will be reduced by the full amount of each purchase including applicable taxes, charge and other fees, if any.
The Card can be used to pay the full amount of the purchase and applicable taxes, charges and other fees so long as the Balance remaining on
the Card is sufficient. The maximum value of your Card is restricted to your maximum load capacity. You may use your Card to purchase or lease
goods or services wherever Visa Prepaid Cards are accepted as long as you do not exceed the value available on your Card Account. Some
merchants do not allow cardholders to conduct split transactions whereby you would use the Card as partial payment for goods and services and
paying the remainder of the balance with another form of legal tender. If you use your Card number without presenting your Card (such as for a
mail order, telephone, or Internet purchase), the legal effect will be the same as if you used the Card itself. For security reasons, we may limit the
amount or number of transactions you can make on your Card. Your Card cannot be redeemed for cash. You may not use your Card for any illegal
transaction. Each time you use your Card, you authorize us to reduce the value available on your Card Account by the amount of the transaction
and any applicable fees. You are not allowed to exceed the available amount on your Card Account through an individual transaction or a series
of transactions. Nevertheless, if a transaction exceeds the balance of the funds available on your Card, you shall remain fully liable to us for the
amount of the transaction and any applicable fees. You do not have the right to stop payment on any purchase or payment transaction originated
by the use of your Card. You may not make preauthorized regular payments from your Card Account. 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 thirty (30) days.
Transactions in Excess of Remaining Balance - It is your responsibility to keep track of your spending on the Card. If you attempt to use the Card
when there is insufficient Balance available to cover the full Transaction Amount, the transaction in most instances will be declined. However, if
due to a systems malfunction or for any reason whatsoever, a transaction occurs despite insufficient Balance on the Card, creating a negative
amount, you agree to reimburse us, upon request, for the amount of the Transaction Amount in excess of the Balance. For non-reloadable cards,
we retain the right to offset any negative balances against funds available on any subsequent card purchased by or for you, registered in our
system in your name.
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.
Charges Made in Foreign Currencies - The Balance is in Canadian currency and is intended for transactions in Canadian currency only. If a
transaction is made on your Card in a currency other than Canadian currency, you authorize us to deduct from the amount of any credit to your
Card, which we receive in foreign currency, the Bank’s cost of obtaining Canadian funds, plus an administration fee of 2.5% of the converted
amount of the credit.
Receipts - You should always get a receipt at the time you make a transaction using your Card. You agree to retain your receipts to verify your
Program Fee Schedule - All fee amounts will be withdrawn from your Card balance. POS/Online Purchase Fee (Domestic): $0.00 (per transaction);
POS/Online Purchase Fee (International): $1.00 (per transaction); Monthly Maintenance Service Fee: $1.00 (90 days after initial load).
Optional Services Where Fees Apply - POS Reject Fee: $0.50 (per transaction when rejected at POS); Balance Inquiry Fee: $0.75 (per inquiry:
IVR); Card to Card Transfer Fee: $3.00 (Money Share, per transfer); Replacement Card Fee: $10.00 (per Card; when Card is lost, stolen, or
replaced); Non ATM Cash Withdrawal: $10.00 (per cash transaction other than ATM); Interac Email Money Transfer Fee: $3.00.
Tolerance - All restaurants, hotels, car rental purchases, hair/personal service salons and other service-related merchants will factor in an
additional 20% (or more) in pre-approval ONLY to cover any tip you may leave on the purchase - you only pay the amount you sign for at the
end which could be more or less. This means you need to have an available balance on your card of at least 20% more than your total bill. If
your total purchase after adding in the additional 20% (or more) exceeds the balance on the Prepaid Card, it will be declined. All transactions
relating to car rentals may result in a hold for that amount of funds for up to ninety (90) days. Similarly, some hotels may choose to factor in
additional amounts upon check-in, and it may take up to thirty days after your stay to have any excess amounts held by the hotel added back to
your available balance. Prepaid cards are not to be used at automated fuel dispenser (pay at the pump) kiosks but CAN be used to pay for fuel
in-store with the cashier. The merchant may preauthorize the transaction amount up to $125.00 or the maximum allowed pursuant to your local
law, causing the transaction to be declined.
Confidentiality - We may disclose information to third parties about your Card or the transactions you make: 1.Where it is necessary for completing
transactions; 2. In order to verify the existence and status of your Card for a third party, such as merchant; 3. In order to comply with government
agency, court order, 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. In all cases, the provisions of applicable federal or provincial laws regulating disclosure of personal
information will take precedence.
Our Liability for Failure to Complete Transactions - If we do not properly complete a transaction from your Card on time or in the correct amount
according to our Agreement with you, we will be liable only for your actual and reasonable losses or damages. 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 on your Card to complete
the transaction; 2. If a merchant refuses to accept your Card; 3. If an electronic terminal where you are making a transaction does not operate
properly; 4. If access to your Card has been blocked after you reported your Card lost or stolen; 5. If there is a hold or your funds are subject
to legal process or other encumbrance restricting their use; 6. If we have reason to believe the requested transaction is unauthorized; 7. 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; or 8. Any other exception stated in our Agreement with you.
Your Liability for Unauthorized Transfers - Contact “Card Service” at once if you believe your Card has been lost or stolen. Telephoning is the
best way to minimize your possible losses. If you believe your Card has been lost or stolen, or that someone has transferred or may transfer
money from your Card Account without your permission, call Card Service immediately. If you notify us within two (2) business days, you can
lose no more than $50 if someone used your Card without your permission. If you do not notify us within two (2) business days after you learn of
the loss or theft of your Card and we can prove that we could have stopped someone from using your Card without your permission if you had
promptly notified us, you could lose as much as $500. Under Visa Inc Bylaws and Rules, your liability for unauthorized Visa transactions on your
Card Account is $0 if you notify us promptly and you exercise reasonable care in safeguarding your Card from loss, theft, or unauthorized use.
This reduced liability does not apply if a PIN is used as the method of verification for a disputed transaction or you have reported two (2) or more
incidents of unauthorized use in the immediately preceding twelve (12) month period. Also, if you become aware of and/or your statement shows
transactions that you did not make, notify us at once. If you do not notify us within sixty (60) days after you become aware of the transaction and/
or after the statement was made available to you, you may not get back any value you loss after the sixty (60) days if we can prove that we could
have stopped someone from taking the value if you had notified us in time and you are grossly negligent or fraudulent in the handling of your
Card. If your Card has been lost or stolen, we will close your Card Account to keep losses down. For Visa’s Zero Liability Policy, please visit Visa’s
website at http://www.visa.com/ca/personal/en/Visasecurity/zero_liability.html
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 network, regulator or other association having jurisdiction over the movement or
settlement of transactions. We do not waive our rights by delaying or failing to exercise them at any time. 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, provincial or federal, the validity
or enforceability of any other provision of this Agreement shall not be affected. This Agreement will be governed by the laws of the Province of
Ontario except to the extent governed by federal law.
Amendment and Cancellation - We may amend or change the terms and conditions of this Agreement at any time. You will be notified of any
change in the manner provided 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 may cancel or suspend your Card or this Agreement at any time. 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.
Information About Your Right to Dispute Errors - In case of errors or questions about your electronic transactions, call Card Service or write to
Cardholder Services, 2680 Skymark Ave. Suite 420, Mississauga ON L4W 5L6. If you think your statement or receipt is wrong or if you need more
information about a transaction listed on the statement or receipt. You must contact us no later than sixty (60) days after the FIRST statement
was made available to you on which the problem or error appeared. (1) Provide your name and Card number (if any); (2) Describe the error or
the transaction you are unsure about, and explain why you believe it is an error or why you need more information; and (3) Provide the dollar
amount of the suspected error. If you provide this information orally, we may require that you send 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 forty-five (45) days to investigate your complaint or question. If we decide to
do this, we may credit your Card 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 to complete the investigation. If we ask you to put your complaint or question in writing and you do not provide it within ten
(10) business days, we will not credit your Card. For errors involving new Cards, POS transactions, or foreign-initiated transactions, we may take
up to ninety (90) days to investigate your complaint or question. We will tell you the results within three (3) business days after completing the
investigation. If we decide that there was no error, we will send you a written explanation. Copies of the documents used in the investigation may
be obtained by contacting: Visa Prepaid Card c/o DCR Strategies Inc., 2680 Skymark Ave. Unit 420, Mississauga ON L4W 5L6.
Revision Date 06/2014
This Visa Prepaid Card is owned and issued by Home Trust Company, a TM licensee of Visa Int. TruCa$h is a registered TPA of Visa Inc.
This is not CDIC insured.