PlainsCapital Bank Visa® Gift Card
Disclosures

Gift Card Disclosures

Disclosure - This Disclosure is a contract which establishes the rules covering your Gift Card with PlainsCapital Bank, Lubbock, Texas. By using this product you agree and accept all the terms and conditions of this Disclosure. Please read it carefully.

A Gift Card is a card that accesses funds paid in advance to cover future purchases or cash withdrawals. The funds that are paid in advance are held by a financial institution and then released per usage until the card's value has been fully or partially depleted. The Gift Card may either be disposable (issued with a specific value and usable until that value is depleted) or re-loadable.

Business Days and Hours - For purposes of these disclosures, our business days are Monday through Friday, Holidays are (not) included. The bank's normal business hours are from 8:00am - 5:00pm.

Gift Cards - The Gift card will be purchased in a Non-Personalized, instant issue manner, and funded at any PlainsCapital Bank location during normal business hours. Once the funds have been used, the gift card is not reusable nor reloadable. The minimum dollar amount that can be issued on the Gift Card is $25.00 per card. The maximum amount that can be issued is $500.00 per card. If you need to know the balance of your Gift Card, you can either call the toll free number 1-800-538-9990 or go to the following website www.plainscapitalbank.com/giftcard.

Error Resolution

Consumer Liability - If you lose the gift card, it is not replaceable or refundable unless the original purchaser has previously registered and activated the card on the aforementioned web site.

Card Usage - You may use your gift card at any merchant location that accepts the Visa Logo.

Daily Dollar Limit Amount - The daily dollar limit that can be used from signature based merchant transactions is $500.00.

Fees for the Gift Card - If you purchase a gift card at any of the PlainsCapital Bank locations, there will be a $5.00 fee. Beginning one (1) year after a gift card is purchased a fee of $5.00 per month will apply to all remaining balances on cards. A fee of $5.00 will apply for card replacements (only registered cards are eligible for replacement).

Card Expiration - Gift cards will expire four (4) years after the day they were opened. We will re-issue payroll cards in the last month prior to expiration. All remaining funds on the Gift Card will be lost when the card has expired.

Change-in-terms notification - If there are adverse changes in fees, your liability, types of transfers available, or limits on transfers, PlainsCapital Bank will provide a change-in-terms notice at least twenty-one (21) days before the changes take effect.

FDIC - As an insured financial institution we guarantee FDIC insurance on all Stored Value products.