Yes, you must activate your Card before you can use it. Please call the activation number, which is included on the sticker affixed to your Card, and follow the instructions to complete the activation process.

You should register your Card online at www.HomeSafeCard.com. By registering your Card, you will be able to make purchases with the Card on the Internet and by telephone. You also will be able to obtain online access to your Card account at www.HomeSafeCard.com and view your Card's transaction history and balance free of charge.

The person who purchases, or receives, and signs the Card can use the Card.

No, the Card is a prepaid card, loaded with a specific dollar amount. Once that money has been spent, the Card can no longer be used.

The Card may be used only for transactions with merchants that provide transportation services, including taxi, sedan, limousine, bus and railroad companies, automobile rental companies and airlines everywhere Discover® Network Cards are accepted.

Look for the Discover Network Acceptance Mark at the point of sale of transportation-related merchants. Using your Card is similar to using most other signature-based debit or credit cards. At the time of the purchase, give the Card to the merchant. If asked, swipe the Card through the keypad and push "credit" and sign the purchase receipt. Each time the Card is used, the transaction amount and any applicable fees are automatically deducted from the Card balance. Spending is limited to the value available on the Card.

To make a purchase greater than the balance on your Card, you will need to do the following:

Have a second form of payment available that is accepted by the merchant to cover the difference - examples of payment options include cash, check, debit card or credit card. Tell the cashier in advance how much to deduct from your Card - the second payment method must cover the difference.

You also can check the balance of your Card at any time by doing one of the following: Visit www.HomeSafeCard.com (you must first register your Card to view your balance online). Call the automated voice response unit at 1-800-807-2022 and follow the prompts to check your Card's balance at no charge. The phone number is also provided on your Card and posted on www.HomeSafeCard.com.

Note: not all merchants will permit transactions to be split between two payment methods.

Once all funds associated with your Card have been spent or withdrawn, promptly destroy the Card.

If a transaction is declined, the merchant will let you know. To avoid a decline, first verify that there are sufficient funds on the Card by doing one of the following: Visit www.HomeSafeCard.com (you must first register your Card to view your balance online). Call the automated voice response unit at 1-800-807-2022, which phone number is also provided on your Card and at www.HomeSafeCard.com and follow the prompts to check your Card's balance at no charge.

No. Your card is specifically limited to transactions with merchants that provide transportation services, including taxi, sedan, limousine, bus and railroad companies, automobile rental companies and airlines everywhere Discover® Network Cards are accepted.

Yes, you can use your Card to make transportation related purchases on the Internet everywhere Discover® Network Cards are accepted. You must register your Card first at www.HomeSafeCard.com.

The Card may be used only for transactions with merchants that provide transportation services, including taxi, sedan, limousine, bus and railroad companies, automobile rental companies and airlines everywhere Discover® Network Cards are accepted. In order to use your Card for online and telephone purchases, you must first register your Card at www.HomeSafeCard.com. If you have not registered your Card, such transactions will be declined.

The Card may be used only for transactions with merchants that provide transportation services, including taxi, sedan, limousine, bus and railroad companies, automobile rental companies and airlines everywhere Discover® Network Cards are accepted. In order to use your Card for online and telephone purchases, you must first register your Card at www.HomeSafeCard.com. If you have not registered your Card, such transactions will be declined.

You may not use your Card: For purchases initiated outside of the fifty United States and the District of Columbia; For recurring bill payments; For illegal transactions; To fund gambling transactions on the Internet; or At ATMs.

You may not use your Card for purchases outside of the fifty United States and the District of Columbia. However, if any transaction initiated with your Card is for an amount in a foreign currency and the transaction is not declined due to systems limitations or otherwise, such transaction will be converted by Discover® Network to U.S. dollars, and Discover Network will establish a currency conversion rate for this convenience. In addition, we will charge a fee that is one percent (1%) of the converted amount for international currency transactions. If a transaction is converted to U.S. dollars before it is entered into Discover® Network, the conversion rates, fees and charges of the entity that did the conversion will apply.

No. The Card may be used only for transactions with merchants that provide transportation services, including taxi, sedan, limousine, bus and railroad companies, automobile rental companies and airlines everywhere Discover® Network Cards are accepted.

At certain transportation related merchants, such as car rental companies, estimated expenses above the purchase amount may be added to the amount that is used to check whether you have sufficient funds on your Card. Only the final amount of your transaction will actually be debited from your Card. In that case, we'll place on hold the full amount requested for authorization. While the money is placed on hold, it isn't debited from your Card until we get the final, correct amount from the merchant. The correct amount will be reflected in your transaction history.

There are several reasons why this might happen. Some merchants are part of a larger corporation that may have a different name than the merchant name. And other merchants may choose to do their card processing under a different company name. However, if you see a transaction that doesn't match up with any recent purchases, please follow the procedures in the section below entitled "What should I do if my Card is lost or stolen?"

If you are the only person with access to your Card number, your gift giver will not be able to view transactions associated with your Card.

If your Card is lost or stolen, call 1-800-807-2022 immediately. In order to obtain a replacement Card, you will be required to provide your Card number and certain other identifying information. You will not be liable for transactions initiated with your Card that we identify as unauthorized. However, we may investigate any claim of unauthorized activity involving your Card or ask you to provide an affidavit in connection with your claim of unauthorized activity.

If our records show that there are still available funds on your Card in excess of applicable fees, including customer service, replacement Card and mailing fees, we will cancel your lost or stolen Card and send you a replacement Card. The value loaded to your replacement Card will be the available balance remaining on the original Card at the time it is cancelled plus the value of any transaction(s) we identify as unauthorized, less the amount of any applicable fees.

No. The Card is non-reloadable. However, you can purchase a new Card online at www.HomeSafeCard.com or at participating locations.

You can make purchases and conduct other permitted transactions using your Card until the expiration date shown on the Card, or until the value of the Card has been depleted. If there is a balance remaining on your Card at expiration, a Card termination fee will be assessed on the expiration date of the Card. See "Card Fees" for more information. If your Card has expired and there is a balance remaining on your Card, you may request a replacement Card by calling 1-800-807-2022 unless we have transferred your unclaimed funds to the state in accordance with applicable law. Fees for reissuance, including but not limited to the card reissuance fee, and the card termination fee, will be deducted from the value of your replacement Card.

Yes, the following fees will apply to your Card:

• Card issuance fee of $3.95 for Cards with a $25 face value
• Card issuance fee of $4.95 for Cards with a $50 face value
• Card issuance fee of $5.45 for Cards with a $75 face value
• Card issuance fee of $5.95 for Cards with a $100 face value
• Foreign currency transaction fee of 1% of converted amount (if applicable)
• Live agent customer service fee of $2.50 per live operator call (this fee will be refunded for any call regarding an error relating to your Card that we determine to be our responsibility)
• Lost/stolen Card replacement fee of $8.95 (No live agent fee.)
• Card reissuance fee of $8.95 (No live agent fee.)
• Card termination fee: If there is a balance remaining on your Card at expiration, a Card termination fee of $2.00 will be assessed on the expiration date of the Card

There is a live agent customer service fee of $2.50 per live operator call. This fee will be refunded for any call regarding an error relating to your Card that we determine to be our responsibility. There is no charge for checking your Card balance or transaction history online or through the automated voice response unit.

The Card is issued by MetaBank. Discover Network and the Discover® Network Acceptance Mark are service marks used by MetaBank under license from Discover Financial Services. Please review the Cardholder Agreement posted on www.HomeSafeCard.com and enclosed in the Card package.

No. The funds associated with your Card will be held by MetaBank, a regulated federal savings bank, but they are not insured by the FDIC.

The initial value of your Card will be listed on the card or the carrier.