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Terms for Adding Your Vantage Card to a Third Party Digital Wallet

These Terms for Adding Your Vantage Card to a Third Party Digital Wallet (the "Terms") apply when you choose to add a Vantage debit card ("Vantage Card") to a digital wallet or other payment service managed or owned by a third party ("Wallet"). In these Terms, "you" and "your" refer to the cardholder of the Vantage Card, and "we," "us," "our," and "Vantage" refer to the issuer of your Vantage Card, which may be Vantage Bank Texas. Vantage Bank Texas is not the provider of your Eligible Device nor do we provide the application software (app) that will enable your Eligible Device. This app is provided by and available through a third-party vendor download or other means.

When you add a Vantage Card to a Wallet, you agree to these Terms:

1. Adding Your Vantage Card

You can add an eligible Vantage Card to a Wallet by either following our instructions as they appear on an Vantage proprietary platform (e.g., Vantage Mobile Banking app or www.vantage.bank) or by following the instructions of the Wallet provider. Only Vantage Cards that we determine are eligible can be added to the Wallet. If your Vantage Card or underlying account is not in good standing, that Vantage Card will not be eligible to be added to or enrolled in the Wallet. We may determine other eligibility criteria in our sole discretion. When you add an Vantage Card to a Wallet, the Wallet may allow you to (a) use the Vantage Card to (i) enable transfers of money between you and others who are enrolled with the Wallet provider or a partner of such Wallet provider, and/or (ii) enter into transactions where the Wallet is accepted, including the ability to use the Vantage Card to complete transactions at participating merchants’ physical locations, e-commerce locations, and at ATMs; and (b) use other services that are described in the Wallet provider’s agreement or that they may offer from time to time. The Wallet may not be accepted at all places where your Vantage Card is accepted. WE RESERVE THE RIGHT TO TERMINATE OUR PARTICIPATION IN A WALLET OR WITH A WALLET PROVIDER AT ANY TIME, TO INCLUDE THE RIGHT TO DESIGNATE A MAXIMUM NUMBER OF VANTAGE CARDS THAT MAY BE ADDED TO A WALLET. You are responsible to safeguard your Enabled Device and to keep your login and your service authentication credentials secure. You agree to call us at once if you believe your Enabled Device or your authentication credentials have been lost, stolen or compromised in any way or believe an unauthorized person has used or may use your Enabled Device or your authentication credentials.

2. Your Vantage Card Terms Do Not Change

The terms and agreement that govern your Vantage Card do not change when you add your Vantage Card to the Wallet. The applicable Card Member Agreement or account agreement that governs the Vantage Card, as amended from time to time, are incorporated by reference as part of these Terms. Please review those agreements, as applicable, for important information on your rights and responsibilities when making transactions through a Wallet. The Wallet simply provides another way for you to make purchases or other transactions with the Vantage Card.

3. Applicable Fees

Any applicable interest, fees, and charges that apply to your Vantage Card or underlying account will also apply when you use a Wallet to access your Vantage Card. Vantage does not charge you any additional fees for adding your Vantage Card to the Wallet or using your Vantage Card in the Wallet. The Wallet provider and other third parties such as wireless companies or data service providers may charge you fees. You are solely responsible for reporting and paying any applicable taxes arising from transactions originated using your Vantage Card information transmitted by a Wallet and you shall comply with any and all applicable tax laws in connection therewith.

4. VANTAGE IS NOT RESPONSIBLE FOR THE WALLET

VANTAGE IS NOT THE PROVIDER OF THE WALLET, AND WE ARE NOT RESPONSIBLE FOR PROVIDING THE WALLET SERVICE TO YOU. WE ARE ONLY RESPONSIBLE FOR SUPPLYING INFORMATION SECURELY TO THE WALLET PROVIDER TO ALLOW USAGE OF THE VANTAGE CARD IN THE WALLET. WE ARE NOT RESPONSIBLE FOR ANY FAILURE OF THE WALLET, FOR ANY ERRORS, DELAYS CAUSED BY OR THE INABILITY TO USE THE WALLET FOR ANY TRANSACTION. WE ARE NOT RESPONSIBLE FOR THE PERFORMANCE OR NON-PERFORMANCE OF THE WALLET PROVIDER OR ANY OTHER THIRD PARTIES REGARDING ANY AGREEMENT YOU ENTER INTO WITH THE WALLET PROVIDER OR ASSOCIATED THIRDPARTY RELATIONSHIPS THAT MAY IMPACT YOUR USE OF THE WALLET.

5. Transaction History

You agree and acknowledge that the transaction history displayed in the Wallet solely represents our authorization of your Wallet transaction and may not reflect complete information about the transaction, nor any post-authorization activity, including but not limited to clearing, settlement, foreign currency exchange, reversals, returns or chargebacks. Accordingly, the purchase amount, currency, and other details for the Wallet provider’s transaction history in connection with use of your Card in the Wallet may be preliminary and/or incomplete, and may not match the transaction amount that ultimately clears, settles, and posts to your Card’s billing or monthly statement, which shall be deemed the prevailing document.

6. Contacting You Electronically and by Email or through Your Mobile Device

You consent to receive electronic communications and disclosures from us in connection with your Vantage Card and the Wallet. You agree that we can contact you by email at any email address you provide to us in connection with any Vantage product, service or account, or through the mobile device on which you have downloaded the Vantage Mobile Banking app. It may include contact from companies working on our behalf to service your accounts. You agree to update your contact information with us when it changes.

7. Removing Your Vantage Card from the Wallet

You should contact the Wallet provider on how to remove a Vantage Card from the Wallet. We can also block an Vantage Card in the Wallet from certain transactions or purchases at any time.

8. Governing Law and Disputes

These Terms are governed by federal law and, to the extent that state law applies, the laws of the state that apply to the agreement under which your VAN Vantage TAGE Card is covered. Disputes arising out of or relating to these Terms will be subject to any dispute resolution procedures in your Vantage Card agreement.

9. Ending or Changing these Terms; Assignments

We can terminate these Terms at any time. We can also change these Terms, or add or delete any items in these Terms, at any time. Your use of an Vantage Card in a Wallet after we have made such changes available will be considered your agreement to the changes. We will provide notice if required by law. We can also assign these Terms. Furthermore, subject to applicable law, at any time we may (i) terminate your use of any Vantage Card in connection with a Wallet, (ii) modify or suspend the type or dollar amounts of transactions allowed using Vantage Cards in connection with a Wallet, (iii) change an Vantage Card’s eligibility for use with a Wallet and/or (iv) change the Vantage Card authentication process. You cannot change these terms, but you can terminate these Terms at any time by removing all Vantage Cards from the Wallet. You may not assign these Terms.

10. Privacy

Your privacy and the security of your information are important to us. Our Online Privacy Policy and, where appropriate, our U.S. Consumer Privacy Notice (available online at: www.vantage.bank), as amended from time to time, applies to your use of your Vantage Card in the Wallet. You agree that we may share your information with the Wallet provider, merchants, a payment network, and others in order to provide the services you have requested, to make information available to you about your Vantage Card transactions, and to improve our ability to offer these services. This information helps us to add your Vantage Card to the Wallet and to maintain the Wallet. We do not control the privacy and security of your information that may be held by the Wallet provider and that is governed by the privacy policy given to you by the Wallet provider. WE ARE NOT RESPONSIBLE OR LIABLE TO YOU FOR ANY BREACH OF THE OBLIGATION OF CONFIDENTIALITY BY ANY THIRD PARTY TO WHOM WE PROVIDE INFORMATION PROVIDED WE DID SO IN GOOD FAITH. You acknowledge that we are not the provided of the application software that enables your Eligible Device to become an Enabled Device. The use of your Enabled Device involves the electronic transmission of personal information through third parties. Because we do not control these third parties we do not guarantee the privacy or security of the transmissions and shall not be responsible or liable to you for the performance or the nonperformance of your Enabled Device or any third party not directly under our control.

11. Notices

We can provide notices to you concerning these Terms and your use of an Vantage Card in the Wallet by posting the material on our website, through electronic notice given to any electronic mailbox we maintain for you or to any other email address or telephone number you provide to us, or by contacting you at the current address we have on file for you. You may contact us at: 1-800-472-3272.

12. Limitation of Liability; No Warranties

WE ARE NOT AND SHALL NOT BE LIABLE FOR ANY LOSS, DAMAGE OR INJURY OR FOR ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, EXEMPLARY, OR CONSEQUENTIAL DAMAGES, INCLUDING LOST PROFITS, ARISING FROM OR RELATED TO YOUR ADDING A VANTAGE CARD TO A WALLET, OR YOUR ACCESS OR USE OF A WALLET. TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL REPRESENTATIONS, WARRANTIES AND CONDITIONS OF ANY KIND (EXPRESS, IMPLIED, STATUTORY OR OTHERWISE, INCLUDING BUT NOT LIMITED TO THE WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT OF PROPRIETARY RIGHTS) AS TO ANY AND ALL WALLETS AND ALL INFORMATION, PRODUCTS AND OTHER CONTENT INCLUDED IN OR ACCESSIBLE FROM THE WALLETS.

13. Questions

If you have any questions, disputes, or complaints about the Wallet, contact the Wallet provider using the information given to you by the provider. If your question, dispute, or complaint is about your Vantage Card, then contact us at: 1-800-472-3272. Debit cards are provided by Vantage Bank Texas. Member FDIC.