Cardholder Agreement

1. Agreement Overview

This Cardholder Agreement ("Agreement") governs your use of the eWallet Debit Card ("Card"). By activating, signing, or using the Card, you agree to be bound by this Agreement.

Parties to This Agreement

• Card Issuer: Sunrise Banks, N.A., Member FDIC
• Program Manager: Onbe
• Card Network: Mastercard
• Platform Provider: JHD Investment Group LLC (d/b/a eWallet)

2. Definitions

The following terms have specific meanings when used in this Agreement:

• "Card" means the eWallet Debit Card issued to you by Sunrise Banks, N.A.
• "Account" means your eWallet account associated with the Card
• "Available Balance" means the funds available for use in your Account
• "Cardholder" or "you" means the person in whose name the Card is issued
• "Transaction" means any use of the Card to obtain goods, services, or cash
• "PIN" means your Personal Identification Number
• "ATM" means Automated Teller Machine
• "POS" means Point of Sale terminal

3. Card Use & Restrictions

The Card may be used anywhere Mastercard debit cards are accepted, subject to your Available Balance and the restrictions described in this Agreement.

Permitted Uses

• Purchases at merchants that accept Mastercard
• Online and in-app purchases
• ATM cash withdrawals at Mastercard-compatible ATMs
• Cash back at participating merchants
• Recurring payments and subscriptions

Prohibited Uses

You may NOT use the Card for:

• Illegal activities or purchases
• Gambling (online or in-person)
• Adult content or services
• Cryptocurrency purchases
• Money orders or wire transfers
• Any transaction exceeding your Available Balance

4. Fees & Charges

The following fees may apply to your Card usage. Fees are deducted from your Available Balance.

For a complete list of all fees, please see our Fee Schedule.

5. Transaction Types

Your Card supports several types of transactions:

Purchase Transactions

• Signature (Credit): Sign for purchases at POS terminals
• PIN (Debit): Enter your PIN at POS terminals
• Online: Use card number, expiration, and CVV
• Contactless: Tap your card at compatible terminals

Cash Access

• ATM Withdrawal: Withdraw cash at any Mastercard-compatible ATM
• Cash Back: Get cash back at participating merchants with debit purchases

Transaction Authorization

All transactions are authorized against your Available Balance at the time of the transaction. Pending transactions may temporarily reduce your Available Balance even before they are completed (settled).

6. Spending & Withdrawal Limits

The following limits apply to your Card usage:

Limits may vary based on your account status and verification level. Contact support for information about increasing your limits.

7. Disputes & Error Resolution

If you believe there is an error on your statement or an unauthorized transaction on your account, you have certain rights under federal law (Regulation E).

How to Report an Error

• Call: 1-877-827-0995
• Email: disputes@ewallet.app
• In App: Go to Settings > Help > Report a Problem

Timeframes

• Report within 60 days: You must report errors within 60 days of the statement date showing the error
• Investigation period: We will investigate within 10 business days (up to 45 days for certain transactions)
• Provisional credit: If investigation takes longer than 10 business days, we will provide provisional credit

8. Liability & Protections

Your Card includes protections under Mastercard's Zero Liability policy and federal Regulation E.

Mastercard Zero Liability

Your Liability Under Regulation E

• Report within 2 business days: Maximum liability of $50
• Report after 2 business days but within 60 days: Maximum liability of $500
• Report after 60 days: You may be liable for all unauthorized transactions

9. Lost or Stolen Cards

If your Card is lost or stolen, report it immediately to minimize your liability for unauthorized transactions.

How to Report

What Happens Next

1. Your Card will be immediately deactivated
2. A replacement Card will be ordered
3. Any pending transactions may be reviewed
4. You will receive your new Card within 7-10 business days (or faster with expedited shipping)

In the eWallet App

You can also freeze your Card instantly in the eWallet app under Card Settings. This prevents new transactions while you locate your Card.

10. Account Termination

Either you or we may terminate your Card at any time.

You May Close Your Account

• Contact support to request account closure
• Any remaining balance will be returned to you
• Destroy your Card by cutting through the chip and magnetic stripe

We May Close Your Account

We may close your Card account for reasons including:

• Suspected fraud or unauthorized use
• Violation of this Agreement or Terms of Service
• Inactivity for extended periods
• Regulatory or legal requirements
• Program termination

11. Contact Information

For questions about your Card or this Agreement, please contact:

Card Issuer

For questions specifically about Sunrise Banks, N.A. as the card issuer:

• Sunrise Banks, N.A.
• 200 University Avenue West
• St. Paul, MN 55103
• sunrisebanks.com