Giftcard Cardholder Agreement carefully and keep it for future reference. If you will be giving this Prepaid Giftcard to another person, be sure to provide the recipient of the Prepaid Giftcard this Cardholder Agreement. This Prepaid Giftcard is a prepaid gift card issued by Marshall Bank, N.A. The Prepaid Giftcard is not connected in any way to any other account. The Prepaid Giftcard is not a credit card and will not enhance your credit rating. The Prepaid Giftcard is not for resale. You will not receive any interest on your funds on the Prepaid Giftcard. The funds on the Prepaid Giftcard are not insured by the FDIC or any other federal or state agency. Signing the back of the Prepaid Giftcard, using the Prepaid Giftcard, or allowing someone else to use the Prepaid Giftcard, means that you accept this Cardholder Agreement and you are responsible for all transactions. In this Cardholder Agreement the terms “we,” “us,” and “our” mean Marshall Bank, N.A. and “you” or “your” mean anyone who has received the Prepaid Giftcard or is authorized to use it. You should always keep a record of your Prepaid Giftcard number and the customer service phone number provided herein in case of loss or theft. We may decline authorization for any illegal transaction, including, but not limited to any Internet gambling transaction. You agree not to use your Prepaid Giftcard for any illegal transaction.