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By using this card, creating an account or otherwise accessing or using the Site, you acknowledge and agree to follow and be bound by the Terms and Conditions of the Cardholder Agreement and Fee Schedule, if any. These Terms and Conditions include a class action waiver and binding arbitration on an individual basis to resolve disputes. Details are set forth under the section entitled “Arbitration Provision”. This Card is issued by Metropolitan Commercial Bank (Member FDIC) pursuant to a license from Mastercard International. This card must be surrendered upon demand.

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