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EXHIBIT C
CREWCARD TERMS AND CONDITIONS
I. General CrewCard and AccessCard GuidelineS
This section generally describes the Card Program and some common elements of the CrewCard and AccessCard. By accepting and using the CrewCard and AccessCard, you, the Participating Employee, agree to these terms and conditions of use.
A. Card Program
If an eligible Cruise Line employee elects to participate in the Card Program ("Participating Employee"), the Cruise Line may distribute in the name of the Participating Employee a primary card ("CrewCard") and one or more optional secondary card(s) ("AccessCard") to the Participating Employee. A setup fee may be charged for each AccessCard. The AccessCard may be distributed by the Participating Employee to a designated person (friend or family member) to access funds transferred to that card from the Participating Employee's CrewCard. Each CrewCard and AccessCard has its own sixteen-digit number embossed on the front of the card ("Card Number") and a signature panel on the back of the card. The cards should be signed by the cardholder immediately upon receipt. The CrewCard will access individual payroll funds (in United States Dollars, in the amount equal to any payroll load amounts, less any amounts withdrawn or used including any fees, charges, conversion fees, or any other expenses incurred in connection with the individual CrewCard) deposited by Cruise Line for each Participating Employee. Any portion of the payroll funds allocated to a particular CrewCard can be transferred ("card-to-card transfer") to the AccessCard through an electronic transaction conducted at certain BankAtlantic Automatic Teller Machines (ATM), via an Internet Web site, or by calling the Customer Care Center. Funds may also be transferred from the AccessCard to the CrewCard utilizing these same tools. A fee may be charged for each transfer as set forth herein. Before transferring funds to the AccessCard, it is recommended that the Participating Employee confirm that the AccessCard is in the possession of the intended recipient. Your CrewCard and AccessCard may not be used for any illegal transaction or conduct. We recommend that the CrewCards and AccessCards be treated in the same way that you treat cash.
B. CrewCard/AccessCard use
The CrewCard and/or AccessCard can withdraw cash up to the total funds available on each card at any ATM worldwide that displays the Maestro or Cirrus logos. Funds withdrawn will be in the currency dispensed by the particular ATM used. The owner of the ATM may charge a fee for the ATM usage. To access available funds, the CrewCard and AccessCard cardholder will need to enter the four-digit Personal Identification Number ("PIN") that was received with the card or subsequently changed by the user. There may be limitations on the number and dollar amount of withdrawals that can be made with the CrewCard or AccessCard. These are established by the ATM owners and will vary, depending upon the particular ATM used.
The CrewCard and AccessCard may also make Point of Sale purchases ("POS") at certain merchant locations that display the Maestro or Cirrus logos. The card PIN will be needed to conduct this type of transaction. Please note that not all merchants can process POS transactions.
C. Termination of CrewCard and/or AccessCard
A Participating Employee may terminate a CrewCard and/or AccessCard by contacting the Cruise Lines' Crew Office or Paymaster aboard the Ship. Any remaining value on the card(s) will be refunded to the Participating Employee by either check or cash through the Crew Office or Paymaster. BankAtlantic reserves the right to close and terminate any CrewCard and/or AccessCard and to not reissue any card(s) if the card(s) maintain a zero balance and no activity for 190 days, or if an employee is either terminated by Cruise Line or is otherwise no longer employed by Cruise Line. Any value remaining on the card(s) will be disbursed by one of the methods described above. BankAtlantic also reserves the right to revoke the card(s) at any time without cause or notice. Upon revocation, BankAtlantic, through the Crew Office or Paymaster, will return any remaining value on the card(s) to the Participating Employee by either cash or check.
D. Equipment Malfunctions
If a CrewCard or AccessCard cardholder receives funds in excess of the amount requested due to a malfunction at an ATM, other equipment or the MasterCard International system, the Crew Office or Paymaster will be notified and an amount equal to the excess funds received plus any applicable fees and charges will be subtracted from the amount available on the CrewCard or AccessCard.
E. Language
CrewCard and/or AccessCard cardholders acknowledge and agree that any and all services will be offered in either English or Spanish.
II. BankAtlantic Electronic Funds Transfer Disclosure (THIS SECTION APPLIES ONLY TO CREWCARDS)
A. Overview
Your CrewCard is governed by the Electronic Fund Transfer Act ("EFTA") and Regulation E of the Board of Governors of the Federal Reserve ("Reg E"). The EFTA and Reg E establish your basic rights, liabilities and responsibilities of participation in Electronic Fund Transfer (EFT) systems. Your AccessCard(s) is not governed by the EFTA and Reg E. Please see the AccessCard disclosure for more information. Your CrewCard may not be used for any illegal transaction or conduct.
B. Consumer's Liability for Unauthorized Transfers
This section applies to unauthorized use of your CrewCard and/or PIN. You must tell the Crew Office or Paymaster aboard the ship AT ONCE or email us AT ONCE if you believe your CrewCard, PIN, or other means to access your CrewCard has been lost or stolen. Contacting the Crew Office or Paymaster or emailing us is the best way of minimizing your possible losses. Failure to notify the Crew Office or Paymaster or us could cause you to lose all of the money on your CrewCard.
If you tell the Crew Office or Paymaster or email us within two (2) Business Days after you discover your CrewCard, PIN, or other means to access your CrewCard has been lost or stolen, your liability is limited to US$50.00 should someone access your CrewCard without your permission. If you do not tell the Crew Office or Paymaster or email us within two (2) Business Days after you learn of such loss or theft, you could be liable for as much as US$500.00.
If you believe that your CrewCard contains a transfer that you did not authorize, you must tell the Crew Office or Paymaster or us AT ONCE. If you do not tell us, the Crew Office or Paymaster within sixty (60) days from the date of the unauthorized transfer, you may lose any amount transferred without your authorization.
C. Telephone numbers and address to contact in the event of unauthorized transfer or lost or stolen CrewCard or PIN.
If you believe your CrewCard, and/or PIN is lost or stolen or that someone has transferred or may transfer money from your CrewCard without your permission, or have questions about your CrewCard do one of the following:
· Contact the Crew Office or Paymaster aboard the Ship, or
· Email BankAtlantic at CardSupport@CrewCardSupport.com, or
· Call our Customer Care Center at 1-800-798-4134, or
· Write BankAtlantic at:
BankAtlantic
P.O. Box 5665
Fort Lauderdale, FL 33310
If unauthorized activity occurs on your CrewCard, you may be requested to cooperate during the investigation and complete a Lost/Stolen Card Affidavit or similar affidavit.
D. Business Days
For the purposes of this disclosure, our business days are Monday through Friday. Saturday, Sunday and U.S. Federal holidays are not included. Our business hours are 8:00 a.m. to 5:00 p.m. Eastern Standard Time (U.S.).
E. Transfer Types and Limitations
CrewCard Access. You may use your CrewCard at an ATM to:
1. Withdraw cash from your CrewCard at any ATM;
2. Transfer funds between your CrewCard and AccessCard at BankAtlantic ATMs;
3. Verify the balance of your CrewCard at any ATM; and
4. Change your Personal Identification Number (PIN) at BankAtlantic ATM terminals.
(Some of these services may not be available at all terminals.)
You may use your card to access your funds at other terminals displaying the logos indicated on the back of the card.
CrewCard Access for Purchases - You can use your CrewCard to make purchases at any merchant displaying the logos indicated on the back of the card. You may also use your CrewCard to make purchases at merchants displaying the Debit MasterCard® logo worldwide. The amounts of your purchases are automatically deducted from your CrewCard.
Online Banking Access - You may access your CrewCard via the Internet at
https://www.onlinecardaccess.com/main/crewcard/Home using your CrewCard number and your PIN to:
1. Transfer funds between your CrewCard and your AccessCard;
2. Verify the balance of your CrewCard;
3. Get balance and transaction information about CrewCard transactions; and
4. Change your PIN online.
(Our Online Access service is available 24 hours per day, seven days a week; however, at certain times the system may be unavailable for scheduled maintenance or other reasons.)
Telephone Access
You may transfer funds from your CrewCard, obtain balance information on your CrewCard, and transaction information by telephoning our Customer Care Center at 1-800-798-4134.
Limitations on Frequency and Dollar Amounts of Transfers - Generally, you may make cash withdrawals each day up to the lesser of the available balance or US$1,000 with a CrewCard. The daily limit on purchases made at point of sale terminals is the lesser of the available balance or US$2,500 with your CrewCard.
F. Fees
We may charge fees for use of your CrewCard and to issue your CrewCard.
Details regarding fees are set forth in our Schedule of Charges set forth herein.
Notice Regarding ATM Fees By Others - When you use an ATM not owned by us, you may be charged a fee by the ATM operator (or any network used) and you may be charged a fee for a balance inquiry even if you do not complete a funds transfer.
G. Confidentiality
We will disclose information to unaffiliated third parties about your CrewCard or the transfers you make under the following conditions:
1. Where it is necessary for completing transfers; or
2. In order to verify the existence and condition of your CrewCard for a third party, or
3. In order to comply with applicable law and regulations, government agencies, court orders, or subpoenas; or
4. If you give us your written permission; or
5. Where it is necessary to resolve errors or questions regarding the CrewCard. Information about the use of the card may be transferred to other countries to process card transactions.
H. Documentation
1. Terminal Transfers. You can get a receipt at the time you make any transfer using your CrewCard at one of our ATMs.
2. Statements: You may obtain information about the amount of money you have remaining on your CrewCard by calling 1-800-798-4134. This information, along with a 60-day history of transactions is also available online at
https://www.onlinecardaccess.com/main/crewcard/Home.
You also have the right to obtain a 60-day written history of CrewCard transactions by emailing us at CardSupport@CrewCardSupport.com or by writing us at BankAtlantic/Princess CrewCard, P.O. Box 5665, Fort Lauderdale, Florida 33310-5665.
I. Preauthorized Payments
1. You may not make preauthorized payments from your CrewCard. You are not permitted to place a stop payment on any CrewCard transaction.
J. Bank's Liability
If we fail to complete a transfer to or from your account on time, or in the correct amount(s), according to our agreement with you, we will be liable only for your actual and direct losses or damages. However, some additional instances in which we would NOT be liable for your damages or losses are:
1. If, through no fault of ours, you do not have enough money in your account to make the transfer;
2. If the transfer would exceed your available balance on your CrewCard;
3. If the ATM where you make the transfer does not have enough cash;
4. If the terminal network was not working properly and you knew about the breakdown when you started the transfer;
5. If circumstances beyond our control (such as fire, flood or other force majeure event) prevent the transfer, despite reasonable precautions that we have taken; and
6. There may be other exceptions stated in our agreement with you.
K. Error Resolution Notice
If you believe your CrewCard, PIN, or other means to access your CrewCard has been lost or stolen, that someone has transferred or may transfer money from your CrewCard without your permission, or have questions about your CrewCard do one of the following:
· Contact the Crew Office or Paymaster aboard the Ship, or
· Email BankAtlantic at CardSupport@CrewCardSupport.com, or
· Write BankAtlantic at:
BankAtlantic
P.O. Box 5665
Fort Lauderdale, FL 33310
You will need to provide:
(1) Your name and CrewCard number.
(2) A description of the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information.
(3) Tell us the dollar amount of the suspected error.
(4) Tell us 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 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 will credit your CrewCard within ten (10) business days for the amount you believe is in error, so that you will have the use of 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 ten (10) business days, we may not credit your CrewCard.
For errors involving new CrewCards, point-of-sale, or foreign-initiated transactions, we may take up to ninety (90) days to investigate your complaint or question. For new CrewCards, we may take up to twenty (20) business days to credit your CrewCard for the amount you believe is in error.
We will tell you the results within three (3) 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 that we used in our investigation. All written explanations will be emailed to your originating email address or sent via U.S. Mail to the address you provided.
L. Foreign Currency Conversion
If you use your card to obtain cash or to purchase goods or services in a foreign currency, the amount of the charge in foreign currency will be converted into a U.S. dollar amount by the applicable network using the network's procedures in effect at the time the transaction is processed. Conversion to U.S. dollars may occur on a date other than the date of the transaction or the posting date; therefore, the currency conversion rate may be different from the conversion rate in effect on the transaction date or the posting date. You understand that we do not determine the currency conversion rate that is used, and we do not receive any portion of the currency conversion rate.
M. Schedule of Charges
Below are the fees and charges associated with the use of the CrewCard.
ATM Withdrawal Fee - No fee for usage at BankAtlantic ATM, including the ATM Aboard your Ship.
$1.50 fee for usage at Non-BankAtlantic ATM. Additional fees may be charged by the ATM owner.
Point of Sale
Purchases (PIN) --. No fee for CrewCard
Card-to-Card Transfer ------ $.50 per Transfer
Card to Account Transfer $1.00 per Transfer
Currency Conversion Fee -------- No fee for CrewCard
Lost Card Replacement Fee, $5.00 per Card (if applicable to your program)
AccessCard Fee, $2.00 per Card (if applicable to your program)
Wire Transfer Fee, $15.00 (if applicable to your program)
Wire Research/Confirmation (per wire or request) $7.00 (if applicable to your program)
Wire Tracer Fee $20.00 (if applicable to your program)
III. MERCHANT DISPUTES, RETURNED OR EXCHANGED MERCHANDISE
BankAtlantic is not responsible for the quality, return or exchange of merchandise or service purchased in whole or in part with the CrewCard. Any returns or exchanges will be governed by the policies and procedures of the participating merchants and applicable law. You should deal directly with the merchant to resolve any issues.
IV. ACCESSCARD TERMS
Should you elect to receive one or more AccessCard(s), you understand and agree that the AccessCard will be distributed in your name and that a separate set of procedures govern the use of the AccessCard. A copy of those procedures will be provided to you with the card(s).
V. ESCHEATMENT
Following termination of the CrewCard, if BankAtlantic is unable to return any funds remaining on the CrewCard to you, applicable law may require us to report the funds as unclaimed property. If this occurs, you understand and agree that we may be required to deliver the funds to the State of Florida.
VI. AMENDMENTS AND GOVERNING LAW
You understand and agree that we may change the terms and conditions of the Card Program at any time. We will give you notice of such changes as required by law. These terms and conditions shall be governed by and interpreted in accordance with the laws of the United States and the laws of the State of Florida, without regard to any conflict of laws provisions.
ACCESSCARD Terms & Conditions
I. GENERAL CREWCARD AND ACCESSCARD GUIDELINES
This section generally describes the Card Program and some common elements of the CrewCard and AccessCard.
By accepting and using the AccessCard, you, the Participating Employee, agree to these terms and conditions of use.
A. Card Program
If an eligible Cruise Line employee elects to participate in the Card Program ("Participating Employee"), the Cruise Line may distribute in the name of the Participating Employee a primary card ("CrewCard") and one or more optional secondary card(s) ("AccessCard") to the Participating Employee. A setup fee may be charged for each AccessCard. The AccessCard may be distributed by the Participating Employee to a designated person (friend or family member) to access funds transferred to that card from the Participating Employee's CrewCard. Each CrewCard and AccessCard has its own sixteen-digit number embossed on the front of the card ("Card Number") and a signature panel on the back of the card. The cards should be signed by the cardholder immediately upon receipt. The CrewCard will access individual payroll funds (in United States Dollars, in the amount equal to any payroll load amounts, less any amounts withdrawn or used including any fees, charges, conversion fees, or any other expenses incurred in connection with the individual CrewCard) deposited by Cruise Line for each Participating Employee. Any portion of the payroll funds allocated to a particular CrewCard can be transferred ("card-to-card transfer") to the AccessCard through an electronic transaction conducted at certain BankAtlantic Automatic Teller Machines (ATM), via an Internet Web site, or by calling the Customer Care Center. Funds may also be transferred from the AccessCard to the CrewCard utilizing these same tools. A fee may be charged for each transfer as set forth herein. Before transferring funds to the AccessCard, it is recommended that the Participating Employee confirm that the AccessCard is in the possession of the intended recipient. Your CrewCard and AccessCard may not be used for any illegal transaction or conduct. We recommend that the CrewCards and AccessCards be treated in the same way that you treat cash.
B. AccessCard Use
The AccessCard is a reloadable card that carries a fixed cash amount placed on the card by the Participating Employee. If a Participating Employee permits someone else to use the AccessCard, we will treat this as if you authorized the use of the AccessCard. The AccessCard represents a general liability of BankAtlantic. The money paid is not a deposit and does not establish a separate individual account at BankAtlantic. This card is not governed by the Electronic Fund Transfer Act and/ or Regulation E of the Board of Governors of the Federal Reserve. TREAT THIS CARD AS CASH. The AccessCard can withdraw cash up to the total funds available on the card at any ATM worldwide that displays the Maestro or Cirrus logos. Funds withdrawn will be in the currency dispensed by the particular ATM used. The owner of the ATM may charge a fee for the ATM usage. To access the funds available, the AccessCard cardholder will need to enter a four-digit Personal Identification Number ("PIN") that was received with the card or subsequently changed. There may be limitations on the number and dollar amount of withdrawals that can be made with the card. These are established by the ATM owners and will vary, depending upon the particular ATM used.
The AccessCard may also make Point of Sale purchases ("POS") at certain merchant locations that display the Maestro or Cirrus logos. The card PIN will be needed to conduct this type of transaction. Please note that not all merchants can process POS transactions.
C. Termination of AccessCard
The AccessCard may be terminated by the Participating Employee who provided you with the card. To terminate the card, the Participating Employee must contact the Cruise Lines' Crew Office or Paymaster aboard the Ship. Any remaining value on the AccessCard will be refunded by the Crew Office to the Participating Employee by either check or cash. BankAtlantic also reserves the right to revoke the card(s) at any time without cause or notice. Upon revocation, BankAtlantic, through the Crew Office or Paymaster, will return any remaining value on the card(s) to the Participating Employee by either cash or check.
D. Equipment Malfunctions
If an AccessCard cardholder receives funds in excess of the amount requested due to a malfunction at an ATM, other equipment or the MasterCard® International system, the Crew Office or Paymaster will be notified and an amount equal to the excess funds received plus any applicable fees and charges will be subtracted from the amount available on the AccessCard.
E. Language
AccessCard cardholders acknowledge and agree that any and all services will be offered in either English or Spanish.
F. Card Inactivity
An AccessCard which maintains a zero balance and no activity for one hundred ninety (190) days will be terminated.
Any value remaining on the AccessCard will be paid to the applicable Participating Employee..
II. Types of Available Transactions
A. ATM - The AccessCard may be used at an ATM to:
1. Withdraw cash from the AccessCard at any ATM;
2. Transfer funds from the AccessCard to the CrewCard at BankAtlantic ATMs;
3. Verify the balance of the AccessCard at any ATM;
4. Change the Personal Identification Number (PIN) at BankAtlantic terminals.
(Some of these services may not be available at all terminals.)
The AccessCard may be used to access funds at other terminals displaying the logos indicated on the back of the card.
B. AccessCard Access for Purchases - The AccessCard may be used to make purchases at any merchant displaying the logos indicated on the back of the card. The AccessCard may be used to make purchases at merchants displaying the Debit MasterCard® logo worldwide. The amounts of the purchases are automatically deducted from your AccessCard.
C. Online Banking Access - The AccessCard may be accessed via the Internet at
https://www.onlinecardaccess.com/main/crewcard/Home using your AccessCard number and your PIN to:
1. Transfer funds from the AccessCard to the CrewCard;
2. Verify the balance of your AccessCard;
3. Get balance and transaction information about AccessCard transactions; and
4. Change your PIN online.
(Our Online Access service is available 24 hours per day, seven days a week; however, at certain times the system may be unavailable for scheduled maintenance or other reasons.)
D. Telephone Access
You may transfer funds from the AccessCard to the CrewCard, obtain balance information on your AccessCard and transaction information by telephoning our Customer Service Center at 1-800-798-4134.
E. Limitations on Frequency and Dollar Amounts of Transfers - Generally, you may make cash withdrawals each day up to the lesser of the available balance or US$1,000 with an AccessCard. The daily limit on purchases made at point of sale terminals is the lesser of the available balance or US$2,500 with the AccessCard.
F. Fees
We may charge fees for use of the AccessCard.
Details regarding fees are set forth in our Schedule of Charges set forth herein.
Notice Regarding ATM Fees By Others - When you use an ATM not owned by us, you may be charged a fee by the ATM operator (or any network used) and you may be charged a fee for a balance inquiry even if you do not complete a funds transfer.
G. Foreign Currency Conversion
If you use the AccessCard to obtain cash or to purchase goods or services in a foreign currency, the amount of the charge in foreign currency will be converted into a U.S. dollar amount by the applicable network using the network's procedures in effect at the time the transaction is processed. Conversion to U.S. dollars may occur on a date other than the date of the transaction or the posting date; therefore, the currency conversion rate may be different from the conversion rate in effect on the transaction date or the posting date. You understand that we do not determine the currency conversion rate that is used, and we do not receive any portion of the currency conversion rate.
III. SCHEDULE OF CHARGES
Fees and charges associated with use of the AccessCard are as follows:
ATM Withdrawal Fee -------No fee for usage at BankAtlantic ATM. $1.50 fee for usage at Non-BankAtlantic ATM. Additional fees may be charged by ATM owner.
Point of Sale Purchase (PIN) --------------- $1.25 per transaction
Card-to-Card Transfer-------------------------- $.50 per transfer
Currency Conversion Fee ------------------- $2.50 per non-BankAtlantic ATM Transaction.
IV. RISK OF LOSS
TREAT THIS CARD AS CASH. You should write down your sixteen-digit card number and keep it in a safe place. If your card is lost, or stolen, or damaged, contact AT ONCE the Participating Employee who provided you with the card. The Participating Employee is responsible for contacting the Crew Office or Paymaster on board the ship or BankAtlantic to cancel the card using one of the methods described in Section V below. A replacement card will be issued to the Participating Employee for any value remaining on the card. The Participating Employee will not be liable for any unauthorized use of the card after the Participating Employee reports the card as lost or stolen to the Crew Office, Paymaster or BankAtlantic.
V. ERROR RESOLUTION
In case of errors or questions about transactions arising from the use of the AccessCard contact the Participating Employee who may do one of the following:
· Contact the Crew Office or Paymaster aboard the Ship, or
· E-mail BankAtlantic at CardSupport@CrewCardSupport.com, or
· Write BankAtlantic at:
BankAtlantic
P.O. Box 5665
Fort Lauderdale, FL 33310
The Participating Employee will need to provide:
(1) His/her name and AccessCard number.
(2) A description of the error or the transfer you are unsure about, and clearly explain why an error exists or why more information is needed.
(3) The dollar amount of the suspected error.
(4) Approximately when the error took place.
We must hear from the Participating Employee no later than sixty (60) days after the date of the transaction in question. The problem will be investigated and a response will be e-mailed to the Participating Employee's originating e-mail address or sent by regular mail to the address provide by the Participating Employee.
VI. MERCHANT DISPUTES, RETURNED OR EXCHANGED MERCHANDISE
BankAtlantic is not responsible for the quality, return or exchange of merchandise or service purchased in whole or in part with the AccessCard. Any returns or exchanges will be governed by the policies and procedures of the participating merchants and applicable law. You should deal directly with the merchant to resolve any issues.
VII. DISCLOSURE TO THIRD PARTIES
We will disclose information to unaffiliated third parties about the AccessCard or the transfers you make under the following conditions:
1. Where it is necessary for completing transfers; or
2. In order to verify the existence and condition of the AccessCard for a third party; or
3. In order to comply with applicable law and regulations, government agencies, court orders, or subpoenas; or
4. If the Participating Employee or the AccessCard holder gives us written permission;
or
5. Where it is necessary to resolve errors or questions regarding the AccessCard. Information about the use of the card may be transferred to other countries to process card transactions.
VIII. LIABILITY FOR FAILURE TO MAKE TRANSFER
If we fail to complete a transfer to or from your account on time, or in the correct amount(s), according to our agreement with you, we will be liable only for your actual and direct losses or damages. However, some additional instances in which we would NOT be liable for your damages or losses are:
1. If, through no fault of ours, there is not enough money in your account to make the transfer;
2. If the transfer would exceed the available balance on the AccessCard;
3. If the ATM where a transfer is made does not have enough cash;
4. If the terminal network was not working properly and you knew about the breakdown when you started the transfer;
5. If circumstances beyond our control (such as fire, flood or other force majeure event) prevent the transfer, despite reasonable precautions that we have taken; and
6. There may be other exceptions stated in our agreement with you.
IX. TERMINATION OF CARD
The card may be revoked at any time without cause or notice. You must surrender a revoked card. Upon revocation, we will return any remaining value to the applicable Participating Employee
X. ESCHEATMENT
Following termination of the AccessCard, if BankAtlantic is unable to return any funds remaining on the AccessCard to the applicable Participating Employee, applicable law may require us to report the funds as unclaimed property. If this occurs, you understand and agree that we may be required to deliver the funds to the State of Florida.
XI. AMENDMENTS AND GOVERNING LAW
We may change the terms and conditions of the Card Program at any time. We will give you notice of such changes as required by law. These terms and conditions shall be governed by and interpreted in accordance with the laws of the United States and the laws of the State of Florida, without regard to any conflict of laws provisions.