Card Features for MB Card Services cardholders

It is simply the best Visa card on the market. It is the most secure and private card you can find anywhere. It has unique mobile-banking features that you can use from your cell phone or home phone. It is the low-cost card – you won’t find any lower-priced stand-alone card at retail or on the Internet. No credit check.

Your investment disbursement, when requested, can be direct-deposited into your card account. Need cash? The card is good in all Plus or Star ATMs that take Visa cards. Need your balance? It’s a free 1-800# call, or free at the cardholder website. Need to make a purchase? It’s a check-less Visa debit card good at 32,000,000 locations.

THE MOST SECURE CARD ACCOUNT ON THE MARKET
A) Visa Zero Protection Liability means that if the card is lost or stolen, and you report against the terms and conditions on the cardholder agreement (a call within 48 hours), you get your money back.
B) You can toggle the card on or off for free. That’s right – a free 1-800# phone call will disable the card so no one can use it, or enable it when you are ready to use it. How secure can you be?
C) It’s a private card for you personally. Since it is not directly attached to a checking account or a line of credit, your identity is much less likely to be stolen.
D) You will have a personalized PIN number that is required at ATMs, or to receive cash back with a purchase. Money in the account is FDIC-insured.

THIS CARD ACCOUNT HAS UNIQUE MOBILE-BANKING FEATURES
A) You can transfer money between cards by phone.
B) You can pay bills by phone.
C) You can receive a free text message on your phone every time your card is used or a deposit is made. Prevent fraud.
D) You can set up your card account so that you can transfer money to the card to and from your checking account by phone, or you can do this at the private cardholder website. You simply call toll free 1-866-691-5400 to set these features up.

THIS CARD ACCOUNT IS LOW-COST
Only $5.95 to acquire. Only $2.95 a month to maintain, and below-market transaction fees. No fee for cash back with retail purchases. No fee for direct deposits by employer to the card. No fee for online access to your account at a secure cardholder website. No fee for phone access to automated cardholder service. No point-of-sale transaction fee.



Options for Cardholders once money is on the card

Cardholders may:
· Use the Visa card at 32,000,000 locations worldwide to spend the money up to the amount on the card, including purchases on the Internet.
· Transfer money to your checking account, if set up to do so by Cardholder Services.
· Wire money to another party by calling Cardholder Services.
· Obtain a West Coast Bank Visa debit sub-account card for a student, relative or friend, and make a card-to-card transfer by phone for only $1.00. You can control the sub-account card and get a statement and balance for it by mail or online.
· Go to any Star or Plus ATM and withdraw cash from the ATM for any amount on your card up to the limit of the ATM bank.
· Use your PIN at a retailer to receive cash back with a purchase (no fee).
· Purchase a money order with the card wherever they are sold.
· Load additional money into the card account by going to 20,000 Moneygram locations in the U.S. , or transfer money to the card from your checking account, or from your MB Card Services currency account, or send a check or money order in the mail to Cardholder Services. Cardholders are supplied with a direct deposit form which they may take to their employers and ask that some, or all, of your payroll be put on the card. Also, you may use the direct deposit form, which includes the bank’s routing numbers, to ask U.S. Social Security to make a direct deposit into your card account every month.

MB Card Services hopes you enjoy the many conveniences this card offers.